TMHSDigital · TMHSDigital · Apr 26, 2026 · Apr 26, 2026
diff --git a/.github/workflows/drift-check.yml b/.github/workflows/drift-check.yml
@@ -15,7 +15,7 @@ jobs:
       contents: read
     steps:
       - uses: actions/checkout@v6
-      - uses: TMHSDigital/Developer-Tools-Directory/.github/actions/drift-check@v1.8
+      - uses: TMHSDigital/Developer-Tools-Directory/.github/actions/drift-check@v1.9
         with:
           mode: self
           format: gh-summary
diff --git a/CLAUDE.md b/CLAUDE.md
@@ -1,4 +1,4 @@
-<!-- standards-version: 1.7.0 -->
+<!-- standards-version: 1.9.0 -->
 
 # CLAUDE.md
 

diff --git a/rules/plaid-env-safety.mdc b/rules/plaid-env-safety.mdc
@@ -7,7 +7,7 @@ globs:
   - "**/*.config.*"
   - "**/plaid.*"
   - "**/env.*"
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Environment Safety

diff --git a/rules/plaid-error-handling.mdc b/rules/plaid-error-handling.mdc
@@ -6,7 +6,7 @@ globs:
   - "**/*.js"
   - "**/*.tsx"
   - "**/*.jsx"
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Error Handling

diff --git a/rules/plaid-link-best-practices.mdc b/rules/plaid-link-best-practices.mdc
@@ -7,7 +7,7 @@ globs:
   - "**/*plaid*link*.ts"
   - "**/*plaid*link*.js"
   - "**/*PlaidLink*"
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Link Best Practices

diff --git a/rules/plaid-secrets.mdc b/rules/plaid-secrets.mdc
@@ -1,7 +1,7 @@
 ---
 description: Prevent committing Plaid API credentials, access tokens, or sensitive authentication material. Flag files containing Plaid secret patterns before they are committed.
 alwaysApply: true
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Secrets Protection

diff --git a/rules/plaid-sync-cursor.mdc b/rules/plaid-sync-cursor.mdc
@@ -6,7 +6,7 @@ globs:
   - "**/*sync*.js"
   - "**/*transaction*.ts"
   - "**/*transaction*.js"
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Sync Cursor Persistence

diff --git a/rules/plaid-token-storage.mdc b/rules/plaid-token-storage.mdc
@@ -6,7 +6,7 @@ globs:
   - "**/*.js"
   - "**/*.tsx"
   - "**/*.jsx"
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Token Storage

diff --git a/rules/plaid-webhook-security.mdc b/rules/plaid-webhook-security.mdc
@@ -7,7 +7,7 @@ globs:
   - "**/webhook*.tsx"
   - "**/webhook*.jsx"
   - "**/*plaid*webhook*"
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Webhook Security

diff --git a/skills/plaid-account-verification/SKILL.md b/skills/plaid-account-verification/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-account-verification
 description: Verify bank accounts using Plaid Auth, micro-deposits, same-day micro-deposits, and database match. Use when the user needs account and routing numbers or ACH payment verification.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Account Verification

diff --git a/skills/plaid-api-reference/SKILL.md b/skills/plaid-api-reference/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-api-reference
 description: Search and retrieve Plaid API endpoint documentation including parameters, authentication requirements, response shapes, and rate limits. Use when the user needs to call a Plaid API or wants to know available endpoints.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid API Reference

diff --git a/skills/plaid-category-mapping/SKILL.md b/skills/plaid-category-mapping/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-category-mapping
 description: Map Plaid personal finance categories to your application's taxonomy. Covers the primary/detailed hierarchy, building custom mapping layers, and common category use cases. Use when the user needs to categorize or display transaction categories.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Category Mapping

diff --git a/skills/plaid-error-handling/SKILL.md b/skills/plaid-error-handling/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-error-handling
 description: Detect, classify, and recover from Plaid API errors including ITEM_LOGIN_REQUIRED, INVALID_CREDENTIALS, INSTITUTION_NOT_RESPONDING, rate limits, and network failures. Use when the user needs to handle Plaid errors gracefully.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Error Handling

diff --git a/skills/plaid-identity-verification/SKILL.md b/skills/plaid-identity-verification/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-identity-verification
 description: Implement Plaid Identity and Identity Verification products for KYC flows, document verification, and match scores. Use when the user needs to verify account holder identity.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Identity Verification

diff --git a/skills/plaid-institution-search/SKILL.md b/skills/plaid-institution-search/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-institution-search
 description: Search Plaid institutions by name, routing number, products supported, and country. Use when the user needs to find bank coverage, check institution availability, or look up institution details.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Institution Search

diff --git a/skills/plaid-investment-tracking/SKILL.md b/skills/plaid-investment-tracking/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-investment-tracking
 description: Track investment holdings, securities, and transactions using the Plaid Investments product. Covers holdings retrieval, security details, cost basis, and supported brokerages.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Investment Tracking

diff --git a/skills/plaid-link-setup/SKILL.md b/skills/plaid-link-setup/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-link-setup
 description: Integrate Plaid Link into web and mobile apps using react-plaid-link, token exchange, OAuth redirect handling, update mode, and multi-item flows. Use when the user needs to connect bank accounts via Plaid Link.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Link Setup

diff --git a/skills/plaid-migration-guide/SKILL.md b/skills/plaid-migration-guide/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-migration-guide
 description: Migrate from Yodlee, MX, Finicity, or other aggregators to Plaid. Covers data mapping, institution coverage comparison, and migration strategies.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Migration Guide

diff --git a/skills/plaid-nextjs-integration/SKILL.md b/skills/plaid-nextjs-integration/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-nextjs-integration
 description: Integrate Plaid into Next.js apps with App Router API routes, middleware auth, server-side token exchange, and webhook route handlers. Use when the user is building a Next.js app with Plaid.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Next.js Integration

diff --git a/skills/plaid-production-readiness/SKILL.md b/skills/plaid-production-readiness/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-production-readiness
 description: Prepare a Plaid integration for production access including the application process, compliance checklist, and sandbox to development to production migration path.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Production Readiness

diff --git a/skills/plaid-react-integration/SKILL.md b/skills/plaid-react-integration/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-react-integration
 description: Integrate Plaid Link into React apps using react-plaid-link hooks, error boundaries, loading states, and context providers. Use when the user is building a React frontend with Plaid.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid React Integration

diff --git a/skills/plaid-recurring-detection/SKILL.md b/skills/plaid-recurring-detection/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-recurring-detection
 description: Detect recurring transactions using the /transactions/recurring endpoint. Covers frequency detection, subscription identification, and recurring stream management.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Recurring Detection

diff --git a/skills/plaid-sandbox-testing/SKILL.md b/skills/plaid-sandbox-testing/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-sandbox-testing
 description: Test Plaid integrations using the sandbox environment with test credentials, test institutions, custom user scenarios, and error simulation. Use when the user needs to develop or test against Plaid without real bank accounts.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Sandbox Testing

diff --git a/skills/plaid-security-best-practices/SKILL.md b/skills/plaid-security-best-practices/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-security-best-practices
 description: Secure Plaid integrations with token encryption, RLS patterns, access token rotation, audit logging, and least-privilege access. Use when the user needs to harden their Plaid implementation.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Security Best Practices

diff --git a/skills/plaid-transaction-sync/SKILL.md b/skills/plaid-transaction-sync/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-transaction-sync
 description: Implement Plaid's /transactions/sync endpoint for cursor-based transaction pagination. Covers added/modified/removed handling, cursor persistence, deduplication, and the has_more loop. Use when the user needs to fetch or sync transactions.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Transaction Sync

diff --git a/skills/plaid-webhook-handling/SKILL.md b/skills/plaid-webhook-handling/SKILL.md
@@ -1,7 +1,7 @@
 ---
 name: plaid-webhook-handling
 description: Handle Plaid webhooks including verification, all webhook types and codes, sandbox webhook firing, retry logic, and idempotent processing. Use when the user needs to receive and process Plaid webhook events.
-standards-version: 1.7.0
+standards-version: 1.9.0
 ---
 
 # Plaid Webhook Handling