Plaid is a key player in the real-time funding solutions space, powering over a billion Automated Clearing House (ACH) transactions annually with its expert payments capabilities. The company's efforts are driving the growth of real-time payment solutions in the US and supporting banks as they innovate in open finance by unlocking more value for customers through greater connectivity. Plaid's Signal tool uses machine learning to reduce transaction risk, allowing companies to speed up funds availability without placing holds on transactions. Fintechs also rely on Plaid for account connectivity and payment processing support, with the company partnering with over 50 financial institutions to offer authentication technology and payment processor integration. As embedded finance continues to drive ACH adoption, Plaid is co-developing tools that improve customer lifecycles while preparing for future payment innovations.