Creating fast & secure onboarding experiences, your way
Blog post from Plaid
Plaid’s October 2026 release introduces modular onboarding and integrated identity verification for its Layer product, which enables users already recognized in Plaid’s network to share saved identity and banking information quickly. Layer, used by more than one million monthly account-opening and app-signup users and supported by a network of over 67 million remembered users, reports conversion improvements of 5% to 25% for businesses. The new modular option lets companies collect identity information first and request bank details later, while retaining user and device context for silent re-authentication or SMS verification when necessary. Layer now also incorporates Plaid Identity Verification, allowing businesses to perform KYC, data-source checks, document verification, and risk-based verification step-ups in a single session. These features are intended to help companies reduce onboarding friction and abandonment while maintaining fraud controls, compliance flexibility, and a unified view of identity and bank-data checks.
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