And now, vanguard apparently no longer offers OFX as a download option,
just csv files. >:(
hopefully this is temporary, but I'm not holding my breath.
The entire download-you-data landscape for finances in the US is just broken
Jean
On 3/1/2023 2:51 AM, Steve Brown wrote:
This is interesting.
https://www.plaidsettlement.com/
This prompted me to look at a Quicken OFX log after downloading
investment transactions from Raymond James. That log stays traffic
comes from
https://directconnect.rjf.com/eftxweb/access.ofx
but the traffic really comes from
https://services.quicken.com/ofx-secure-plus
Third parties collecting your bank credentials and sniffing your
financial traffic, what can go wrong?
Steve
On Tue, 2023-02-28 at 15:51 -0800, Jean Laroche wrote:
To me it's very different. You're not giving a user name and a
password
to AQBanking. I started using Plaid, then got really spooked by the
fact
that they do have access to your account as if they were you. Removed
my
account and canceled my keys.
There are no current alternatives at the moment, unlike in Europe
where
there seem to be, I believe mandated by the EU.
I wrote automated scripts to scrape my banks for the OFX files, but
that's a royal pain in the butt, and it's not robust at all.
Jean
On 2/28/23 3:44 PM, Ben Pracht wrote:
I read that disclaimer. It says to keep the token secure and yes,
the
bearer of that token gets access. As they said:
"The access token generated by using this tool is sensitive
material as it
grants access to your accounts. It should be handled with care and
protected from unauthorized access. You must be sure to store it in
such a
way that makes it impossible for others to gain access. The
creators and
maintainers of Plaid2QIF are in no way responsible if you mishandle
your
access token."
GIving Plaid2QIF this token is no different than me giving a
username and
password to AQBanking, except that Plaid has a chance of working. I
don't
like having an intermediary, in this case Plaid and Plaid2QIF, but
OFX is
unusable, and at the moment, AQBanking isn't even showing the list
of banks
anymore. Does anyone know of a US bank or credit union that uses a
modern
REST based API that they actually share with developers?
Regards,
Ben
On 2/22/23 23:08, john wrote:
On Feb 22, 2023, at 2:01 PM, Ben Pracht<ben.pracht.n...@gmail.com>
<ben.pracht.n...@gmail.com> wrote:
I'd like to use Plaid with GnuCash. There is a plaid2qif project
that
claims to have been extensively tested with GnuCash and Plaid.
However,
when I created the Plaid account, it asks for either a limited
developer
account or a production account with a compliance audit. What
account type
should I use? Anything else helpful to know?
Neither. See
https://github.com/ebridges/plaid2qif/blob/master/gen-access-token/README.md
,
Pay particular attention to the disclaimer at the bottom of that
page.
Regards,
John Ralls
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