plaid 52.0.0 → 53.0.0

data/templates/ruby/api_client.mustache

@@ -84,9 +84,7 @@ module {{moduleName}}
     def deserialize(response, return_type)
       body = response.body
 
-      # handle file downloading - return the File instance processed in request callbacks
-      # note that response body is empty when the file is written in chunks in request on_body callback
-      return @tempfile if return_type == 'File'
+      return prepare_file(response) if return_type == 'File'
 
       return nil if body.nil? || body.empty?
 
@@ -169,13 +167,13 @@ module {{moduleName}}
       prefix = prefix + "-" unless prefix.end_with?("-")
       encoding = response.body.encoding
       tempfile = Tempfile.open(prefix, @config.temp_folder_path, encoding: encoding)
-      @tempfile = tempfile
       tempfile.write(response.body)
       tempfile.close if tempfile
       @config.logger.info "Temp file written to #{tempfile.path}, please copy the file to a proper folder " \
                           "with e.g. `FileUtils.cp(tempfile.path, '/new/file/path')` otherwise the temp file " \
                           "will be deleted automatically with GC. It's also recommended to delete the temp file " \
                           "explicitly with `tempfile.delete`"
+      tempfile
     end
 
     # Sanitize filename by removing path.

data/templates/ruby/api_client_faraday_partial.mustache

@@ -47,7 +47,6 @@
       end
 
       if opts[:return_type]
-        prepare_file(response) if opts[:return_type] == 'File'
         data = deserialize(response, opts[:return_type])
       else
         data = nil

data/test/test_api_client.rb

@@ -1,5 +1,7 @@
 require 'faraday'
 require 'faraday/multipart'
+require 'timeout'
+require 'tmpdir'
 
 
 require_relative "test_helper"
@@ -47,4 +49,137 @@ class ApiClientTest < PlaidTest
 
     assert_equal 'Connection failed', error.message
   end
+
+  def test_concurrent_file_downloads_return_their_own_response
+    Dir.mktmpdir do |temp_dir|
+      configuration = Plaid::Configuration.new
+      configuration.temp_folder_path = temp_dir
+      api_client = Plaid::ApiClient.new(configuration)
+      bodies = { first: "%PDF-first\x00\xff".b, second: "%PDF-second\x00\xfe".b }
+      responses = bodies.to_h do |marker, body|
+        headers = { 'Content-Type' => 'application/pdf', 'Plaid-Request-ID' => marker.to_s }
+        [marker, Faraday::Response.new(status: 200, body: body, response_headers: headers)]
+      end
+      first_file_prepared = Queue.new
+      release_first = Queue.new
+      threads = []
+      results = {}
+      options = { header_params: {}, return_type: 'File' }
+
+      # Hold the first call after its file is written until the second call returns.
+      log_file_written = lambda do |_message|
+        if Thread.current[:download_marker] == :first
+          first_file_prepared << true
+          release_first.pop
+        end
+      end
+      response_for_thread = -> { responses.fetch(Thread.current[:download_marker]) }
+
+      begin
+        api_client.connection.stub :get, response_for_thread do
+          configuration.logger.stub :info, log_file_written do
+            threads << Thread.new do
+              Thread.current[:download_marker] = :first
+              api_client.call_api(:get, '/first.pdf', options)
+            end
+            Timeout.timeout(5) { first_file_prepared.pop }
+            threads << Thread.new do
+              Thread.current[:download_marker] = :second
+              api_client.call_api(:get, '/second.pdf', options)
+            end
+            results[:second] = Timeout.timeout(5) { threads.last.value }
+            release_first << true
+            results[:first] = Timeout.timeout(5) { threads.first.value }
+          end
+        end
+
+        bodies.each do |marker, expected_body|
+          file, status, headers = results.fetch(marker)
+          assert_kind_of Tempfile, file
+          assert file.closed?
+          assert_equal expected_body, File.binread(file.path)
+          assert_equal 200, status
+          assert_equal 'application/pdf', headers['Content-Type']
+          assert_equal marker.to_s, headers['Plaid-Request-ID']
+        end
+        refute_same results[:first].first, results[:second].first
+        assert_equal 2, Dir.children(temp_dir).size
+      ensure
+        release_first << true
+        threads.each do |thread|
+          thread.kill if thread.alive?
+          thread.join
+        end
+        results.each_value { |result| result.first.close! }
+      end
+    end
+  end
+
+  def test_generated_pdf_endpoint_returns_one_binary_file_per_call
+    Dir.mktmpdir do |temp_dir|
+      configuration = Plaid::Configuration.new
+      configuration.temp_folder_path = temp_dir
+      api_client = Plaid::ApiClient.new(configuration)
+      body = "%PDF-single\x00\xff".b
+      headers = { 'Content-Type' => 'application/pdf', 'Plaid-Request-ID' => 'test-pdf' }
+      stubs = Faraday::Adapter::Test::Stubs.new do |stub|
+        stub.post('/asset_report/pdf/get') { [200, headers, body] }
+      end
+      api_client.create_connection { |builder| builder.adapter :test, stubs }
+      client = Plaid::PlaidApi.new(api_client)
+      request = Plaid::AssetReportPDFGetRequest.new(asset_report_token: 'synthetic-token')
+      files = []
+
+      file, status, response_headers = client.asset_report_pdf_get_with_http_info(request)
+      files << file
+      assert_equal 200, status
+      assert_equal 'test-pdf', response_headers['Plaid-Request-ID']
+      files << client.asset_report_pdf_get(request)
+      files.each do |download|
+        assert_kind_of Tempfile, download
+        assert download.closed?
+        assert_equal body, File.binread(download.path)
+      end
+      refute_same(*files)
+      assert_equal 2, Dir.children(temp_dir).size
+      stubs.verify_stubbed_calls
+    ensure
+      files&.each(&:close!)
+    end
+  end
+
+  def test_deserialize_file_preserves_empty_body_and_filename
+    Dir.mktmpdir do |temp_dir|
+      configuration = Plaid::Configuration.new
+      configuration.temp_folder_path = temp_dir
+      api_client = Plaid::ApiClient.new(configuration)
+      response = Faraday::Response.new(
+        status: 200,
+        body: ''.b,
+        response_headers: { 'Content-Disposition' => 'attachment; filename="../../report.pdf"' }
+      )
+
+      file = api_client.deserialize(response, 'File')
+      assert_kind_of Tempfile, file
+      assert file.closed?
+      assert_equal ''.b, File.binread(file.path)
+      assert_equal temp_dir, File.dirname(file.path)
+      assert_match(/\Areport\.pdf-/, File.basename(file.path))
+    ensure
+      file.close! if file
+    end
+  end
+
+  def test_call_api_preserves_non_file_response
+    api_client = Plaid::ApiClient.new
+    headers = { 'Content-Type' => 'application/json', 'Plaid-Request-ID' => 'test-request' }
+    response = Faraday::Response.new(status: 200, body: '{"request_id":"test-request"}', response_headers: headers)
+
+    api_client.connection.stub :get, -> { response } do
+      data, status, response_headers = api_client.call_api(:get, '/test', header_params: {}, return_type: 'Object')
+      assert_equal({ request_id: 'test-request' }, data)
+      assert_equal 200, status
+      assert_equal headers, response_headers
+    end
+  end
 end

metadata

@@ -1,14 +1,14 @@
 --- !ruby/object:Gem::Specification
 name: plaid
 version: !ruby/object:Gem::Version
-  version: 52.0.0
+  version: 53.0.0
 platform: ruby
 authors:
 - Plaid
 autorequire: 
 bindir: bin
 cert_chain: []
-date: 2026-10-02 00:00:00.000000000 Z
+date: 2026-10-19 00:00:00.000000000 Z
 dependencies:
 - !ruby/object:Gem::Dependency
   name: faraday
@@ -218,8 +218,10 @@ files:
 - lib/plaid/models/address_data_not_required.rb
 - lib/plaid/models/address_data_nullable.rb
 - lib/plaid/models/address_data_nullable_no_required_fields.rb
+- lib/plaid/models/address_data_override.rb
 - lib/plaid/models/address_match_score.rb
 - lib/plaid/models/address_nullable.rb
+- lib/plaid/models/address_override.rb
 - lib/plaid/models/address_purpose_label.rb
 - lib/plaid/models/affordability_insights.rb
 - lib/plaid/models/amount.rb
@@ -259,6 +261,7 @@ files:
 - lib/plaid/models/asset_report_get_request.rb
 - lib/plaid/models/asset_report_get_request_options.rb
 - lib/plaid/models/asset_report_get_response.rb
+- lib/plaid/models/asset_report_insights.rb
 - lib/plaid/models/asset_report_investment_holding.rb
 - lib/plaid/models/asset_report_investment_security.rb
 - lib/plaid/models/asset_report_investment_transaction.rb
@@ -427,6 +430,8 @@ files:
 - lib/plaid/models/beacon_user_update_request.rb
 - lib/plaid/models/beacon_user_update_request_data.rb
 - lib/plaid/models/beacon_user_update_response.rb
+- lib/plaid/models/beta_cash_advance_income_insights_v1_get_request.rb
+- lib/plaid/models/beta_cash_advance_income_insights_v1_get_response.rb
 - lib/plaid/models/beta_ewa_report_v1_get_request.rb
 - lib/plaid/models/beta_ewa_report_v1_get_response.rb
 - lib/plaid/models/beta_issues_v1_get_request.rb
@@ -492,9 +497,12 @@ files:
 - lib/plaid/models/business_whois_record.rb
 - lib/plaid/models/cash_advance_decision_outcome.rb
 - lib/plaid/models/cash_advance_feedback_type.rb
+- lib/plaid/models/cash_advance_income_category.rb
+- lib/plaid/models/cash_advance_income_stream.rb
 - lib/plaid/models/cash_advance_info.rb
 - lib/plaid/models/cash_advance_info_amount_approved.rb
 - lib/plaid/models/cash_advance_info_amount_due.rb
+- lib/plaid/models/cash_advance_pay_frequency.rb
 - lib/plaid/models/cash_advance_repayment.rb
 - lib/plaid/models/cash_advance_repayment_amount_due.rb
 - lib/plaid/models/cash_advance_repayment_amount_paid.rb
@@ -547,9 +555,7 @@ files:
 - lib/plaid/models/check_report_warning.rb
 - lib/plaid/models/check_report_warning_code.rb
 - lib/plaid/models/client_customization.rb
-- lib/plaid/models/client_provided_enhanced_transaction.rb
 - lib/plaid/models/client_provided_enriched_transaction.rb
-- lib/plaid/models/client_provided_raw_transaction.rb
 - lib/plaid/models/client_provided_transaction.rb
 - lib/plaid/models/client_provided_transaction_location.rb
 - lib/plaid/models/client_user_identity.rb
@@ -657,6 +663,7 @@ files:
 - lib/plaid/models/cra_employment_refresh_report_transaction.rb
 - lib/plaid/models/cra_home_lending_product.rb
 - lib/plaid/models/cra_income_category.rb
+- lib/plaid/models/cra_income_complete_bundle_product.rb
 - lib/plaid/models/cra_income_insights.rb
 - lib/plaid/models/cra_income_insights_product.rb
 - lib/plaid/models/cra_income_insights_product_config.rb
@@ -667,8 +674,10 @@ files:
 - lib/plaid/models/cra_income_stream_insights.rb
 - lib/plaid/models/cra_income_transaction.rb
 - lib/plaid/models/cra_income_transaction_outlier.rb
+- lib/plaid/models/cra_lend_score_complete_bundle_product.rb
 - lib/plaid/models/cra_lend_score_product.rb
 - lib/plaid/models/cra_lend_score_report.rb
+- lib/plaid/models/cra_lend_score_variant.rb
 - lib/plaid/models/cra_loan_application.rb
 - lib/plaid/models/cra_loan_application_decision.rb
 - lib/plaid/models/cra_loan_closed_status.rb
@@ -728,12 +737,14 @@ files:
 - lib/plaid/models/cra_report_create_base_report_options.rb
 - lib/plaid/models/cra_report_create_base_report_product_config.rb
 - lib/plaid/models/cra_report_create_cashflow_insights_product_config.rb
-- lib/plaid/models/cra_report_create_employment_refresh_options.rb
-- lib/plaid/models/cra_report_create_home_lending_options.rb
 - lib/plaid/models/cra_report_create_home_lending_product_config.rb
-- lib/plaid/models/cra_report_create_home_lending_report_type.rb
+- lib/plaid/models/cra_report_create_income_complete_bundle_product_config.rb
+- lib/plaid/models/cra_report_create_income_complete_options.rb
 - lib/plaid/models/cra_report_create_income_insights_options.rb
 - lib/plaid/models/cra_report_create_income_insights_product_config.rb
+- lib/plaid/models/cra_report_create_lend_score_complete_bundle_product_config.rb
+- lib/plaid/models/cra_report_create_lend_score_complete_options.rb
+- lib/plaid/models/cra_report_create_lend_score_options.rb
 - lib/plaid/models/cra_report_create_lend_score_product_config.rb
 - lib/plaid/models/cra_report_create_network_insights_product_config.rb
 - lib/plaid/models/cra_report_create_qualify_product_config.rb
@@ -741,6 +752,47 @@ files:
 - lib/plaid/models/cra_report_create_response.rb
 - lib/plaid/models/cra_report_decision_stage.rb
 - lib/plaid/models/cra_report_error_code.rb
+- lib/plaid/models/cra_report_get_account_identity_match.rb
+- lib/plaid/models/cra_report_get_account_primary_account.rb
+- lib/plaid/models/cra_report_get_base_account.rb
+- lib/plaid/models/cra_report_get_base_item.rb
+- lib/plaid/models/cra_report_get_base_report_account.rb
+- lib/plaid/models/cra_report_get_base_report_account_account_insights.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_inflow_amount.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_inflow_amount30d.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_inflow_amount60d.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_inflow_amount90d.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_outflow_amount.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_outflow_amount30d.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_outflow_amount60d.rb
+- lib/plaid/models/cra_report_get_base_report_account_attributes_total_outflow_amount90d.rb
+- lib/plaid/models/cra_report_get_base_report_account_balances.rb
+- lib/plaid/models/cra_report_get_base_report_account_identity_match.rb
+- lib/plaid/models/cra_report_get_base_report_account_insights.rb
+- lib/plaid/models/cra_report_get_base_report_attributes.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_inflow_amount.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_inflow_amount30d.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_inflow_amount60d.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_inflow_amount90d.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_outflow_amount.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_outflow_amount30d.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_outflow_amount60d.rb
+- lib/plaid/models/cra_report_get_base_report_attributes_total_outflow_amount90d.rb
+- lib/plaid/models/cra_report_get_base_report_average_monthly_balance.rb
+- lib/plaid/models/cra_report_get_base_report_item.rb
+- lib/plaid/models/cra_report_get_base_report_longest_gap_insight.rb
+- lib/plaid/models/cra_report_get_base_report_metadata.rb
+- lib/plaid/models/cra_report_get_base_report_metadata_all_of.rb
+- lib/plaid/models/cra_report_get_base_report_response_product.rb
+- lib/plaid/models/cra_report_get_base_report_response_product_attributes.rb
+- lib/plaid/models/cra_report_get_base_report_transaction.rb
+- lib/plaid/models/cra_report_get_cashflow_insights_metadata.rb
+- lib/plaid/models/cra_report_get_cashflow_insights_response_product.rb
+- lib/plaid/models/cra_report_get_enriched_account.rb
+- lib/plaid/models/cra_report_get_enriched_account_all_of.rb
+- lib/plaid/models/cra_report_get_enriched_item.rb
+- lib/plaid/models/cra_report_get_enriched_item_all_of.rb
 - lib/plaid/models/cra_report_get_home_lending_attributes.rb
 - lib/plaid/models/cra_report_get_home_lending_category_income.rb
 - lib/plaid/models/cra_report_get_home_lending_income_by_categories.rb
@@ -748,11 +800,25 @@ files:
 - lib/plaid/models/cra_report_get_home_lending_income_sources.rb
 - lib/plaid/models/cra_report_get_home_lending_metadata.rb
 - lib/plaid/models/cra_report_get_home_lending_response_product.rb
+- lib/plaid/models/cra_report_get_income_complete_attributes.rb
+- lib/plaid/models/cra_report_get_income_complete_metadata.rb
+- lib/plaid/models/cra_report_get_income_complete_response_product.rb
 - lib/plaid/models/cra_report_get_income_insights_attributes.rb
 - lib/plaid/models/cra_report_get_income_insights_metadata.rb
-- lib/plaid/models/cra_report_get_income_insights_metadata_all_of.rb
 - lib/plaid/models/cra_report_get_income_insights_response_product.rb
 - lib/plaid/models/cra_report_get_income_insights_stream.rb
+- lib/plaid/models/cra_report_get_lend_score_complete_attributes.rb
+- lib/plaid/models/cra_report_get_lend_score_complete_metadata.rb
+- lib/plaid/models/cra_report_get_lend_score_complete_metadata_all_of.rb
+- lib/plaid/models/cra_report_get_lend_score_complete_options.rb
+- lib/plaid/models/cra_report_get_lend_score_complete_response_product.rb
+- lib/plaid/models/cra_report_get_lend_score_metadata.rb
+- lib/plaid/models/cra_report_get_lend_score_metadata_all_of.rb
+- lib/plaid/models/cra_report_get_lend_score_options.rb
+- lib/plaid/models/cra_report_get_lend_score_response_product.rb
+- lib/plaid/models/cra_report_get_lend_score_variant_score.rb
+- lib/plaid/models/cra_report_get_network_insights_metadata.rb
+- lib/plaid/models/cra_report_get_network_insights_response_product.rb
 - lib/plaid/models/cra_report_get_product_base_metadata.rb
 - lib/plaid/models/cra_report_get_qualify_response_product.rb
 - lib/plaid/models/cra_report_get_report.rb
@@ -987,7 +1053,6 @@ files:
 - lib/plaid/models/employment_verification_get_request.rb
 - lib/plaid/models/employment_verification_get_response.rb
 - lib/plaid/models/employment_verification_status.rb
-- lib/plaid/models/enhancements.rb
 - lib/plaid/models/enrich_transaction_direction.rb
 - lib/plaid/models/enrichments.rb
 - lib/plaid/models/entity_document.rb
@@ -1296,6 +1361,8 @@ files:
 - lib/plaid/models/kyc_check_id_number_summary.rb
 - lib/plaid/models/kyc_check_name_summary.rb
 - lib/plaid/models/kyc_check_phone_summary.rb
+- lib/plaid/models/kyc_check_ssa_analysis.rb
+- lib/plaid/models/kyc_check_ssa_match_status.rb
 - lib/plaid/models/latest_scored_event.rb
 - lib/plaid/models/layer_authentication_passed_webhook.rb
 - lib/plaid/models/ledger_event_source_type.rb
@@ -1306,6 +1373,10 @@ files:
 - lib/plaid/models/liabilities_get_response.rb
 - lib/plaid/models/liabilities_object.rb
 - lib/plaid/models/liability_override.rb
+- lib/plaid/models/liability_override_apr.rb
+- lib/plaid/models/liability_override_apr_type.rb
+- lib/plaid/models/liability_override_interest_rate.rb
+- lib/plaid/models/liability_override_interest_rate_type.rb
 - lib/plaid/models/limited_purpose_type.rb
 - lib/plaid/models/line_of_credit_liability.rb
 - lib/plaid/models/link_callback_metadata.rb
@@ -1866,8 +1937,6 @@ files:
 - lib/plaid/models/sandbox_transfer_ledger_withdraw_simulate_response.rb
 - lib/plaid/models/sandbox_transfer_refund_simulate_request.rb
 - lib/plaid/models/sandbox_transfer_refund_simulate_response.rb
-- lib/plaid/models/sandbox_transfer_repayment_simulate_request.rb
-- lib/plaid/models/sandbox_transfer_repayment_simulate_response.rb
 - lib/plaid/models/sandbox_transfer_rfp_simulate_action.rb
 - lib/plaid/models/sandbox_transfer_rfp_simulate_request.rb
 - lib/plaid/models/sandbox_transfer_rfp_simulate_response.rb
@@ -2008,8 +2077,6 @@ files:
 - lib/plaid/models/transaction_stream_amount.rb
 - lib/plaid/models/transaction_stream_status.rb
 - lib/plaid/models/transactions_category_rule.rb
-- lib/plaid/models/transactions_enhance_get_request.rb
-- lib/plaid/models/transactions_enhance_get_response.rb
 - lib/plaid/models/transactions_enrich_request.rb
 - lib/plaid/models/transactions_enrich_request_options.rb
 - lib/plaid/models/transactions_enrich_response.rb