The latest product updates and enhancements from Plaid include improvements in Account Verification & Payments, Credit Underwriting, Fraud & Risk, Onboarding, Open Finance, Personal Finance Insights, and Developer Experience. Notable features include the introduction of multiple ledgers in Transfer, no more refund hold times in Transfer, instant Auth for 1,000 more financial institutions, support for cash management accounts, improved ledger management in the Transfer Dashboard, new insights for enhanced decisioning in Consumer Report, and enhanced liveness and ID document checks. Plaid has also expanded carrier support for Silent Network Authentication (SNA), added Integration Health (Beta) to troubleshoot errors, and introduced User Permissions for Data Partner Dashboard. Additionally, improvements have been made in Investments Move, 401k data and connectivity, merchant detection, and developer tools such as the demo center and launch center.