Case Study: Yotta achieves faster settlements, higher customer engagement, and reduced ACH fraud with Plaid Signal

How they use Plaid to reduce fraud and create a user experience customers love

Yotta, a fintech that incentivizes saving by offering reward-driven bank accounts, faced a classic tradeoff: speed up ACH transfers to improve customer experience or slow things down to reduce fraud and returns. To solve this, Yotta turned to Plaid and implemented Plaid Signal to better assess ACH risk without degrading onboarding or payment speed.

Using Plaid Signal, Yotta can score each ACH transaction and apply tiered settlement rules, enabling faster transfers for low-risk customers while blocking or delaying higher-risk ones. Plaid’s solution delivered a 20% improvement in identifying return-prone transactions, nearly 100% accuracy in predicting successful settlements, and tens of thousands of dollars saved monthly; Yotta also increased same‑day/one‑business‑day settlements from 10% to 60%, with implementation completed in one to two days.

Yotta

Adam Moelis

Founder and CEO