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For Business Owners (What Your Users See):

  1. Open Accounting Interface: Business owner logs into your platform
  2. Click “Connect Bank”: Button appears in the Thred embedded widget
  3. Authenticate: Plaid modal opens, user logs into their bank securely
  4. Select Accounts: Choose checking, savings, or credit card accounts to sync
  5. Done: Connection established, data starts flowing immediately
Partner Integration Required: None. This entire flow happens in the Thred widget.

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What Happens After Connection

Once a business owner connects their bank account:
  • 2-Year History: Historical transactions backfill automatically
  • Daily Sync: New transactions sync every 24 hours
  • Auto-Reconciliation: Transactions reconcile to invoices/bills automatically
  • Categorization: AI-powered categorization runs on all transactions
No webhooks to implement. No cron jobs to run. Platform handles everything.

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Accessing Bank Data (Partners)

Once a business owner connects their bank, partners can read the data via API:

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List Bank Accounts

GET /v1/platform/businesses/{id}/bank-accounts/ Returns all connected bank accounts with:
  • Account name, type (checking/savings/credit)
  • Current balance
  • Last sync timestamp
  • Connection status

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List Bank Transactions

GET /v1/platform/businesses/{id}/bank-transactions/ Returns synced transactions with:
  • Amount, date, description
  • Merchant name, category
  • Reconciliation status (matched to invoice/bill or unmatched)

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Use Cases:

  • Financial Dashboards: Build custom analytics on top of bank data
  • Cash Flow Forecasting: Use transaction history for predictions
  • Reconciliation Workflows: Build custom matching logic
  • Export Features: Let users download transaction CSVs

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Account Selection Best Practices

Help your users understand which accounts to connect:
  • Checking accounts → Usually yes (primary business transactions)
  • Savings accounts → Maybe (if used for business cash reserves)
  • Credit cards → Yes if used for business expenses
Show account name, mask (last 4 digits), and current balance in your UX when available.

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Supported Banks

Plaid supports 10,000+ financial institutions across:
  • GB, DE, FR, NL, ES, IT, IE
  • BE, AT, PT, SE, NO, DK, FI, IS

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Next Steps

With bank accounts connected, Thred automatically categorizes transactions and reconciles them to invoices/bills. Continue to learn about the embedded accounting features.