> ## Documentation Index > Fetch the complete documentation index at: https://docs.brale.xyz/llms.txt > Use this file to discover all available pages before exploring further. # Create Plaid link token > Step 1 of the Plaid-linked bank account flow. Generates a Plaid Link token to launch the Plaid UI for connecting a bank account. This endpoint is **step 1** of the **Plaid-linked bank account** flow for creating external off-chain bank addresses. The Plaid-linked path supports `ach_debit`, `ach_credit`, and `rtp`. This is the **only** path that enables `ach_debit`. **Native mobile apps:** If you are integrating Plaid Link in a native iOS or Android app, you must submit your iOS redirect URI or Android package name to Brale for whitelisting before mobile Plaid OAuth will work. See the [ACH on-ramp guide](https://docs.brale.xyz/guides/ach-on-ramp.md#create-plaid-link-token) for platform-specific setup details. **Application name:** Use the optional `client_name` field (maximum 30 characters) to set the application name displayed in Plaid Link. It defaults to `Brale` and does not change logos, colors, or ACH bank statement descriptors. See [Customize the application name](https://docs.brale.xyz/guides/ach-on-ramp.md#customize-the-application-name). **Next step:** After the user completes the Plaid Link flow, exchange the `public_token` using [Register financial institution account via Plaid](https://docs.brale.xyz/api-reference/brale/register-financial-institution-account-via-plaid-and-return-address-id.md) to create the `address_id`. For a full comparison of both external bank address creation paths, see [External bank addresses](https://docs.brale.xyz/key-concepts/external-bank-addresses.md). Use the playground below to try this endpoint directly, or review the OpenAPI details in the right panel. ## OpenAPI ````yaml POST /accounts/{account_id}/plaid/link_token openapi: 3.0.3 info: title: Brale Issuance and Orchestration API version: 2.3.1 description: > Brale supports stablecoin issuance and orchestration, enabling businesses and ecosystems to create their own stablecoins and convert between fiat and stablecoins seamlessly. From stablecoin onramps, offramps, and swaps to custody and payouts, the Brale API makes it easy to build stablecoin-enabled products. NOTE: All resource IDs (including account_id, address_id, financial_institution_id, and automation_id) are KSUIDs—27-character alphanumeric strings that are sortable by time. Examples showing UUIDs are incorrect. **What's new in 2.3.1** - Unified **Addresses** model for on-chain and off-chain endpoints - `Transfers` now accepts **address_id only** (no financial_institution_id) - Optional `brand` object to control bank statement presentation (`branding` still accepted as legacy alias) - Added off-chain rails: `ach_credit`, `same_day_ach_credit`, `ach_debit`, `same_day_ach_debit`, `rtp-credit` - Plaid endpoints moved to `/accounts/{account_id}/plaid/*` - `Financial Institutions` marked **deprecated** (migration path to **Addresses**) - Create Account now uses `CreateManagedAccountRequest` with `beneficial_owners`, `business_controller`, and `EndUserTosAttestation`. - Transfers now accept `brand` (replaces `branding`, still aliased in docs). - Plaid endpoints updated to return `address_id` and accept `transfer_types`. - Off-chain Address creation uses `CreateExternalAddressRequest` oneOf with bank + blockchain variants. - FI endpoints kept but marked deprecated; use Addresses instead. - `rtp_credit` is the canonical RTP rail name. **FedNow** - Added the `fednow_credit` rail. Outbound: create a Transfer with `destination.transfer_type: fednow_credit` to a bank Address that lists `fednow_credit` in `transfer_types`. Inbound: payers send FedNow credits to an active Automation's `source.funding_instructions`; Brale creates the Transfer automatically with `source.transfer_type: fednow_credit`. - Simulate a testnet FedNow deposit with `transfer_type: fednow` on `POST /accounts/{account_id}/automations/{automation_id}/simulations/deposits`. - `bank_address` and `beneficiary_address` are required only when an external bank Address requests `wire`. - FedNow availability depends on account enablement. servers: - url: https://api.brale.xyz description: Production server security: - BearerAuth: [] tags: - name: Accounts description: Endpoints related to managing customer accounts (KYB, details, etc.) - name: Transfers description: >- Endpoints for creating and retrieving transfers (fiat to stablecoins, etc.) - name: Addresses description: >- On-chain and off-chain endpoints (custodial or external) represented by a single Addresses resource - name: Financial Institutions description: Legacy (deprecated) bank endpoints. Use Addresses instead. - name: Automations description: Automated deposit addresses or onramps - name: Plaid description: Bank linking and ACH debit via Plaid. - name: Orders description: Legacy tag used for transfers in older specs. paths: /accounts/{account_id}/plaid/link_token: post: tags: - Plaid summary: Create Plaid link token parameters: - in: path name: account_id required: true schema: type: string requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateLinkTokenRequest' responses: '200': description: OK content: application/json: schema: $ref: '#/components/schemas/LinkTokenResponse' components: schemas: CreateLinkTokenRequest: type: object title: CreateLinkTokenRequest properties: legal_name: type: string description: User's legal name example: John Doe email_address: type: string description: User's email address example: user@example.com phone_number: type: string description: User's phone number example: '+1234567890' date_of_birth: type: string description: User's date of birth example: '1990-01-01' client_name: type: string maxLength: 30 default: Brale description: >- Application name displayed to users in Plaid Link. Defaults to `Brale` when omitted. Values longer than 30 characters return a validation error. This value changes the displayed application name only. It does not change logos, colors, or ACH bank statement descriptors. example: Rhythmic LinkTokenResponse: type: object title: LinkTokenResponse required: - link_token - expiration - callback_url properties: link_token: type: string description: Plaid Link token example: link-sandbox-123456789 expiration: type: string description: ISO 8601 expiration example: '2024-01-01T12:00:00Z' callback_url: type: string description: URL to POST the public token to after Plaid Link example: https://customer.com/webhooks/plaid-updates securitySchemes: BearerAuth: type: http scheme: bearer description: > Use the Bearer token returned from the Auth endpoint via OAuth2 client_credentials flow. Include the token in the "Authorization: Bearer " header. ````