Response field origination_account_id is no longer guaranteed

What changed

Producer-side tools call this non-breaking. For a consumer it is a null dereference on an unknown future date.

Affects origination_account_id on BankTransfer reachable from 4 operations. Nothing fails at the call; it fails wherever the value is finally used, which is usually somewhere else entirely.

can now be null

Who is affected

Code that reads Plaid's BankTransfer objects, used by 4 Plaid operations.

Before and after

Code that breaks

// response.origination_account_id may now be absent or null
const origination_account_id = response.origination_account_id ?? fallback;

Based on Plaid’s published API specification. How severity is decided.