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Plaid API vs World Trading Data

Same instrument, two spec sheets — measured, not claimed.

APIPlaid APIHEALTHY96World Trading DataHEALTHY94
Uptime · 30d
Uptime · 90d100%99.02%
Uptime · 30d100%98.3%
P50 · ms359423
P95 · ms874920
AuthapiKeyapiKey
CORSyesno
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree tier — API key may be required for production
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Plaid API vs World Trading Data: common questions

Which is more reliable, Plaid API or World Trading Data?

On our scheduled checks, Plaid API leads on measured uptime — Plaid API at 100% versus World Trading Data at 99.02% over 90 days. These are our own probe results, not provider claims; the uptime bars above show the day-by-day record for both.

Which is faster, Plaid API or World Trading Data?

Plaid API has the lower median latency in our checks — Plaid API responds in 359 ms versus World Trading Data at 423 ms (P50). Tail latency (P95) is in the table above; for most workloads the median is the number that shapes how the API feels.

Do Plaid API and World Trading Data need an API key?

Both ask you to authenticate — Plaid API uses an API key and World Trading Data uses an API key. Each key is free to obtain; the Auth and Card-required rows above spell out the signup terms.

Can I call Plaid API and World Trading Data from the browser?

Only Plaid API is browser-friendly — it returns CORS headers over HTTPS. World Trading Data needs a server-side call or proxy, so factor that into which one fits a front-end project.

Are Plaid API and World Trading Data free for commercial use?

Plaid API has unclear commercial terms, and World Trading Data has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.