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App to App Authentication lets a user who launches the Meld bank picker inside your mobile app jump directly into the bank’s native app to log in (using biometrics, for example), then return to your app once authenticated. Developers integrate it to improve conversion and user trust during bank linking. Meld supports this flow for Plaid, MX, and Finicity, with provider-specific code on each platform.

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How it works

When enabled, a user who sees Meld’s bank picker in your mobile app gets redirected to the bank’s app to log in, then back to your app of origin afterward. This makes authentication easier and more secure — the user can log in with biometrics rather than typing a username and password, and they can feel more secure that their bank credentials are protected because they are using the bank’s own app.
If the user does not have their bank app installed on their phone, the bank login screen is launched in a webview instead.

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Supported banks

App to app authentication is currently only supported for Chase, as it is a feature developed by each bank. Other banks are following suit and will have this feature available in the future.
PlaidFinicityMX
iOSSupportedSupportedComing Soon
AndroidSupportedComing SoonComing Soon

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Platform guides

The subpages describe how to implement App to App Authentication in iOS Native (Swift) and Android Native (Kotlin) mobile apps. If you are using other technologies such as Flutter or React Native, you will need to adapt the code samples to fit your framework.