Cutting Out Plaid: Running a Local Agent to Aggregate Your Bank and Brokerage Data
moosepiss · reddit · 2026-10-28
The author explores replacing third-party aggregators like Wealthica or Empower with a local agent harness: you authenticate bank and brokerage sessions in your browser with MFA, then let the agent take over to snapshot transactions and balances, using proxies or extensions as traffic cops to restrict which pages/forms it can touch. Trade-off: clunkier than a Plaid-style API, but no third party ever holds your data. They're soliciting experiences from anyone who has tried this.
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