{
 "company": "plaid",
 "as_of": "2026-10-06",
 "choices": [
  {
   "id": "plaid-p01",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Connectivity",
   "statement": "Plaid built connections to banks for use inside other developers\u2019 applications.",
   "event_date": "2013",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-p02",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Early coverage",
   "statement": "The first meaningful Venmo implementation required connections to roughly fifteen banks, according to Perret.",
   "event_date": "2013",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-g01",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Customer discovery",
   "statement": "Other developers expressed interest in the infrastructure behind the founders\u2019 consumer product.",
   "event_date": "2013",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-g02",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Initial customer",
   "statement": "Venmo became an early meaningful customer.",
   "event_date": "2013",
   "date_precision": "year",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-g06",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Independence",
   "statement": "Visa and Plaid abandoned their proposed acquisition after a Justice Department challenge.",
   "event_date": "2021-01-12",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL3"
   ]
  },
  {
   "id": "plaid-g03",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Developer community",
   "statement": "Perret described developer meetups as an early route to users.",
   "event_date": "2023-12-05",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-g04",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Trial",
   "statement": "Early customers could try the product before becoming significant paying accounts.",
   "event_date": "2023-12-05",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-g05",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Referral route",
   "statement": "Developers introduced Plaid at new employers, according to Perret.",
   "event_date": "2023-12-05",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "PL1"
   ]
  },
  {
   "id": "plaid-g07",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Liquidity",
   "statement": "Plaid raised $575 million in a financing focused on employee liquidity and tax obligations.",
   "event_date": "2025-04-03",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL5"
   ]
  },
  {
   "id": "plaid-g08",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Enterprise scope",
   "statement": "Plaid described expansion into established financial institutions and large enterprises.",
   "event_date": "2025-04-03",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL5"
   ]
  },
  {
   "id": "plaid-p03",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Component",
   "statement": "Plaid supplied bank linking rather than requiring users to move their bank accounts.",
   "event_date": "2025-05-27",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "PL2"
   ]
  },
  {
   "id": "plaid-p04",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Expansion",
   "statement": "Plaid added analytics products around financial data.",
   "event_date": "2025-05-27",
   "date_precision": "day",
   "evidence_kind": "participant_account",
   "sources": [
    "PL2"
   ]
  },
  {
   "id": "plaid-p05",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Maintenance",
   "statement": "Plaid reported repairing 6,121 connectivity issues during 2025.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-p06",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Authentication",
   "statement": "OAuth migrations could preserve existing user connections without another login.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-p07",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Fraud",
   "statement": "Plaid Protect combined fraud signals and decision tools.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-p08",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Credit",
   "statement": "Plaid introduced LendScore and credit reports using cash-flow information.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-p09",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Payments",
   "statement": "Carvana used real-time pay-ins built on Plaid\u2019s payment infrastructure.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-p10",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "product",
   "dimension": "Business data",
   "statement": "Transactions for Business extended the transaction-data offering.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-g09",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Credit distribution",
   "statement": "Plaid worked with FICO, Experian and Xactus on credit-related distribution.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  },
  {
   "id": "plaid-g10",
   "business": "Bank connectivity, financial data and payment infrastructure for businesses",
   "category": "go_to_market",
   "dimension": "Platform route",
   "statement": "Transfer for Platforms was introduced in beta, rather than reported as a completed broad rollout.",
   "event_date": "2026-01-09",
   "date_precision": "day",
   "evidence_kind": "company_described_offering",
   "sources": [
    "PL4"
   ]
  }
 ]
}