V2 one-install Plaid front door over 8 bounded feature packs. The visible root grows from 27 to 100 catalog operations while preserving every established ID, route, argument, entity, risk, approval, result-path, and cache contract. The installed family covers 301 of 331 official routes; 30 deprecated, hidden, or unsupported POST-binary routes remain excluded. All new mutations require approval, and the new surface includes financial data, Auth account numbers, processor tokens, identity and watchlist surfaces, credit reports, transfers, payment initiation, wallets, partners, and Sandbox simulation. Money-moving calls are destructive, Plaid idempotency fields are mandatory when documented, all reads are uncached, and no workflow or work-entity Source is declared. PLAID-CLIENT-ID and PLAID-SECRET remain connection-owned, JSON inputs are recursively closed, required empty JSON bodies are explicit, Plaid-Version 2020-09-14 is binding-owned, and beta routes are labeled. Root composition size is 224765 bytes.