When the user connecting a bank account is an AI agent, what has to change? Plaid CTO Will Robinson sits down with JD Durkin at Money 20/20 USA in Las Vegas to explain why the answer starts with teaching AI the “grammar of money.” Robinson breaks down why Plaid built its own foundation models trained on real financial data rather than leaning on general purpose AI, and how those models power this fall’s launches: LendScore 2 and LendScore Arc, which aim to open up affordable credit, and a new fraud model built to catch patterns no single institution can see. With Plaid now powering bank connections inside ChatGPT, Sierra and Meta’s Muse, Robinson points to a telling stat: nearly two thirds of people connecting their accounts to AI assistants were new to Plaid-powered finance apps, a sign that consumers are getting serious about both AI and their finances.