Siddarth

Product at Plaid. Former Founder

[Siddarth @siddarthio]

Marketing watching me give this episode 5 stars

[Plaid @Plaid]

What does it take to rethink banking from the ground up? 💭

@chrisrbritt joins @zachperret on the first episode of Intelligent Finance to break down how @Chime + @ChimeNewsroom is doing it.

[Siddarth @siddarthio]

Fun fact, at Plaid if you hit 10,000% of your quota, you get to be a podcast guest

[Plaid @Plaid]

Introducing Intelligent Finance, a new podcast hosted by @zachperret

What happens when technology changes what's possible with money? Who we’re asking first:
🎙️ @chrisrbritt of @chime + @ChimeNewsroom
️️🎙️ @mlevchin of @Affirm
🎙️ @amasad of @replit

Episodes drop November 10.

[Claude @claudeai]

Introducing Personal Finance in Claude, in beta in the US.

Connect the accounts you choose, and Claude answers your money questions in everyday language, from your own balances and transactions. Access is read-only, and Claude can't move, manage, or invest your money.

[Siddarth @siddarthio]

Honestly, ChatGPT Finance is the most valuable AI tool in my life. Having a rational AI curb my human impulses is the Star Trek future Data promised me.

[Plaid @Plaid]

Helping people understand their money starts with seeing the whole picture. That’s why @OpenAI chose Plaid to power ChatGPT’s personal finance experience. We sat down with @ebloch to talk about how it works.

The full Q&A: https://t.co/MbzngSkPuC 🔌

[Siddarth @siddarthio]

Easily my favorite team at Plaid!

[Plaid @Plaid]

Fall Release '26 — Fraud 🆕

Introducing the Fraud Foundation Model, built on activity across the Plaid Network. It reads logins and transactions as a sequence, including the timing and order between them.

Fraud doesn't happen in a single moment. It happens in a pattern. Now our model sees it that way too.

[Plaid @Plaid]

Fall Release '26 spotlight — Lending 💸

We have three big updates for lenders.

Instant Link puts cash flow and network insights to work at the start of an application. Borrowers can permission their data once, so they don’t have to reconnect their bank account on future applications. About as easy as a soft credit pull.

One model doesn't fit every loan, so LendScore 2 is now one big happy family. Core, Auto, Home Lending, and Short Term. Core delivers 42%+ lift over traditional credit data alone.

We built Lendscore Arc, our first transformer-based credit risk score and our best-performing Lendscore model yet.

[Siddarth @siddarthio]

Uber's big innovation was cab rankings so that driver's had pressure to deliver good service. Agents reviewing your bank account are going to do the same thing to banks.

[Siddarth @siddarthio]

People talk about the Agentic Bank Run as if the fear is agents moving money. Instead it's agents telling users that they're getting a bad deal.

My friction is the knowledge to know where I should put my money, not the 5 seconds it takes to create an account and transfer.

[Simon Taylor @sytaylor]

Apollo suggests the next bank run could start with five words:

“Find me a better rate.”

That's not possible or likely today.

But last week, three bank leadership teams asked me what to do about Meta’s Muse if it keeps developing.

Here’s my take. https://t.co/dWU5Wr5y7o

[Grok @grok]

Ask Grok where your money went last month, how your investments are doing, or if you can actually afford what’s in your cart.

Connect your financial accounts securely with @Plaid. Available now in the U.S.

[Plaid @Plaid]

Financial services used to move like this: branch > website > app. Now it's just a conversation, with one agent 💬

Plaid Link inside @SierraPlatform pulls your bank data mid-chat to keep loans, payments, and claims moving.

More here: https://t.co/RFJB26Z2uw

[Siddarth @siddarthio]

DoorDash building a CLI is turning me into a Luddite

[Andy Fang @andyfang]

Today we're opening up the DoorDash CLI in limited beta.

`dd-cli` lets you order DoorDash directly from your agent: search stores, find the best deals, check out, and more.

Early access for US/Canadian macOS developers by waitlist. Excited to see what folks build!

[Siddarth @siddarthio]

@lulumeservey Skunkworks always sat designers next to engineers, to show them what the real world looks like, probably the biggest antidote to Claudeslop is to put CEOs into real world

[Zach Abrams @zcabrams]

derek thompsons recent article inspired me to read more about alcohol

im shocked by the est impact vs current narrative

for instance, 7-14 drinks per wk reduces life expectancy by only 6 mos (!!)

moreover, the negative effect is possibly offset by gains from deeper friendships

[Siddarth @siddarthio]

After 5 years of working in the AML watchlist space, I had resigned myself to differentiation by integrating niche lists or focusing on cost.

After joining Plaid, I saw the team approach AML problems from first principles and build something that actually speeds up AML teams.

[Plaid @Plaid]

Fast-growing companies shouldn’t have a fast-growing AML backlog.

Plaid Monitor now delivers a more efficient review experience with redesigned case management and clearer queue workflows, helping analysts make faster, more defensible decisions—without compromising on watchlist coverage, automated rescans, or advanced name matching.

https://t.co/ELSzok3mzI

[Plaid @Plaid]

Plaid has acquired @twifintech. 📣

Plaid sits at the center of a network spanning thousands of data partners, customers, and millions of consumers. Keeping that ecosystem informed, inspired and connected matters as much as the infrastructure underneath it.

@NikMilanovic built one of the most relied-on publications in fintech: a place where founders, operators, and investors come to understand what's happening, week after week. The team is getting more resources to do more with new formats, events, and live experiences, while the editorial independence the community trusts stays intact.

[Siddarth @siddarthio]

https://t.co/vrYZ7d9793

[Siddarth @siddarthio]

Zara's Law - “If the cost of a good’s inputs decreases, the quality of that good decreases.”

[Siddarth @siddarthio]

“If you’re not pissing someone off, you probably aren’t doing anything important”

Love to see Jonathan doing important things.

[JT @jtalms]

I wrote a blog post about shipping the Living Museum and dealing with the aftermath.

I talk about the origin story, unexpected social media reaction, and future vision for museum-specific AI interfaces.

[Siddarth @siddarthio]

Cheap intelligence will improve government services the way that cheap cotton improved our clothes.

A fast fashion version of a DMV is going to make us beg for Skynet