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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