A WireMock simulation of Plaid's REST API — covering check reports, cash-flow and income insights, the LendScore, report PDFs, loan registration, and monitoring.
A shared instance of this template runs on a public endpoint — call it right now from curl, an SDK, or an AI agent. Responses are fixed examples and behavior can't be changed; rate limits apply.
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A running WireMock Cloud instance of this template, callable right now from a terminal, a script, or an AI agent.
Endpoints
POST Create CRA Check Report
curl -s -X POST 'https://vkvk7.wiremockapi.cloud/cra/check_report/create' \
-H 'Content-Type: application/json' \
-d '{}'POST Get CRA Check Report base report
curl -s -X POST 'https://vkvk7.wiremockapi.cloud/cra/check_report/base_report/get' \
-H 'Content-Type: application/json' \
-d '{}'POST Get CRA Check Report income insights
curl -s -X POST 'https://vkvk7.wiremockapi.cloud/cra/check_report/income_insights/get' \
-H 'Content-Type: application/json' \
-d '{}'Spec catalog — The Plaid API (2020-09-14_1.688.6) · 25 endpoints
| Method | Path | Summary |
|---|---|---|
| POST | /cashflow_report/get | Gets transaction data in cashflow_report |
| POST | /cashflow_report/insights/get | Gets insights data in Cashflow Report |
| POST | /cashflow_report/refresh | Refresh transaction data in cashflow_report |
| POST | /cashflow_report/transactions/get | Gets transaction data in cashflow_report |
| POST | /consumer_report/pdf/get | Retrieve a PDF Reports |
| POST | /cra/check_report/base_report/get | Retrieve a Base Report |
| POST | /cra/check_report/cashflow_insights/get | Retrieve cash flow insights from your user's banking data |
| POST | /cra/check_report/create | Refresh or create a Consumer Report |
| POST | /cra/check_report/income_insights/get | Retrieve cash flow information from your user's banks |
| POST | /cra/check_report/lend_score/get | Retrieve the LendScore from your user's banking data |
| POST | /cra/check_report/network_insights/get | Retrieve network attributes for the user |
| POST | /cra/check_report/partner_insights/get | Retrieve cash flow insights from partners |
| POST | /cra/check_report/pdf/get | Retrieve Consumer Reports as a PDF |
| POST | /cra/check_report/verification/get | Retrieve various home lending reports for a user. |
| POST | /cra/check_report/verification/pdf/get | Retrieve Consumer Reports as a Verification PDF |
| POST | /cra/credit_profile/report/get | Retrieve the credit profile report for a user |
| POST | /cra/loans/applications/register | Register loan applications and decisions. |
| POST | /cra/loans/register | Register a list of loans to their applicants. |
| POST | /cra/loans/unregister | Unregister a list of loans. |
| POST | /cra/loans/update | Updates loan data. |
| POST | /cra/monitoring_insights/get | Retrieve a Monitoring Insights Report |
| POST | /cra/monitoring_insights/subscribe | Subscribe to Monitoring Insights |
| POST | /cra/monitoring_insights/unsubscribe | Unsubscribe from Monitoring Insights |
| POST | /cra/partner_insights/get | Retrieve cash flow insights from the bank accounts used for income verification |
| POST | /network_insights/report/get | Retrieve network insights for the provided access_tokens |
Unauthenticated WireMock Cloud demo sandbox for Plaid — not an official Plaid sandbox, and it returns simulated example data only.
Twenty-five endpoints span Plaid's consumer-reporting stack: check reports and their base-report data, cash-flow and income insights, a LendScore, verification-of-assets reads, loan registration, monitoring subscriptions, and network attributes. The insight bodies carry real analytical texture — income metrics resolve to a monthly gross of 390 against 300 net, the LendScore reads 80 with machine-readable reason codes attached, and the monitoring route reports an AVAILABLE item with its income sources broken out. One convention matters when reading any of it: inflow totals arrive negative, because cash-flow attributes inherit the transactions sign convention in which money entering an account is a negative amount.
Sign convention, not data damage. Plaid's transaction amounts treat money leaving an account as positive, and the report attributes keep that orientation, so total inflows read as negatives. Aggregation code that assumes positive-equals-income inverts a consumer's cash flow — this fixture is where that mistake surfaces before production data makes it expensive.
The adverse-action vocabulary of credit decisioning — the machine-readable explanations a lender surfaces when a score drives a decline. The fixture pins two codes under a score of 80, which gives decision-letter templating and code-to-text mapping something stable to render.
They serve an actual document: a catalog, a page tree, one page — small, but structurally a complete PDF that viewers open without complaint. Report-delivery features can go a step past download plumbing here and hand the bytes to a renderer, which draws a blank page rather than raising an error.
The Income template models the verification question — is this applicant paid what they claim — while consumer reports assemble the fuller picture a lender pulls under consumer-reporting rules. The income insights here and the bank-income data there describe the same underlying deposits at two different altitudes.
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