I need the newest Plaid API endpoints wired into my production Laravel site and I want the heavy lifting to run in a small Node.js service that you will add to the stack. The build must cover three concrete goals: • Retrieve and store bank statements (PDF copies as well as the JSON metadata). • Verify income from uploaded documents and payroll sources, using Plaid’s new Income methods. • Fetch and persist user transactions for ongoing analysis. Implementation details – Use the current user_id-based flow; the legacy user_token flow is off the table. – Webhooks have to be in place so my system is alerted whenever Plaid releases additional statement periods; those callbacks must update the database and pull the new PDFs automatically. – All calls will hit the live Plaid environment—no sandbox work. I will supply live API keys once staging is stable. – The Node.js service should expose clear REST endpoints that my Laravel controllers can consume, and it needs solid error handling so a failed Plaid call never breaks the PHP side. – Store PDFs in S3 (bucket already exists) and JSON in our existing Postgres cluster. – Deliver clean, well-commented code plus short setup notes so my team can redeploy without guessing. Timeline & hand-off Everything has to be deployed and tested on the live domain by 22 December 2025, with interim milestones we will schedule together for credentials, webhook DNS, and final UAT. When you reply, let me know the most recent Plaid project you completed and which version of their Node SDK you prefer to use.