diff --git a/__mocks__/react-native-plaid-link-sdk.js b/__mocks__/react-native-plaid-link-sdk.js
new file mode 100644
index 000000000..a11814941
--- /dev/null
+++ b/__mocks__/react-native-plaid-link-sdk.js
@@ -0,0 +1,10 @@
+// Manual mock — react-native-plaid-link-sdk is a native module and cannot load under jest.
+module.exports = {
+  __esModule: true,
+  create: jest.fn(),
+  open: jest.fn(),
+  dismissLink: jest.fn(),
+  usePlaidEmitter: jest.fn(),
+  LinkLogLevel: { DEBUG: "debug", INFO: "info", WARN: "warn", ERROR: "error" },
+  LinkIOSPresentationStyle: { MODAL: "MODAL", FULL_SCREEN: "FULL_SCREEN" },
+}
diff --git a/__tests__/hooks/use-plaid-link.spec.tsx b/__tests__/hooks/use-plaid-link.spec.tsx
new file mode 100644
index 000000000..2cc2218e7
--- /dev/null
+++ b/__tests__/hooks/use-plaid-link.spec.tsx
@@ -0,0 +1,241 @@
+/**
+ * usePlaidLink — Plaid Link + server-side public_token exchange (ENG-524).
+ *
+ * Contract under test:
+ *  - openPlaidLink creates the Plaid session with the backend's linkToken and
+ *    opens the native UI; a second call while a session is in flight is a
+ *    no-op (the SDK's native module is a singleton — see the hook comment).
+ *  - onSuccess exchanges { linkToken, publicToken } server-side; once the
+ *    exchange succeeds the link IS established: the onLinked refetch is
+ *    best-effort and its failure must never be reported as a link failure.
+ *  - Exchange payload errors and thrown errors alert and never run onLinked;
+ *    the activity indicator is always cleared.
+ *  - onExit alerts only for a REAL Plaid failure, detected by error CONTENT:
+ *    the iOS bridge always embeds an all-empty error object on a plain user
+ *    cancel (Android omits it) — both cancel shapes must stay silent.
+ */
+
+import { Alert } from "react-native"
+import { renderHook, act } from "@testing-library/react-hooks"
+// Auto-mocked by __mocks__/react-native-plaid-link-sdk.js (native module)
+import { create, open } from "react-native-plaid-link-sdk"
+
+const mockExchange = jest.fn()
+jest.mock("@app/graphql/generated", () => ({
+  useBridgeExchangePlaidPublicTokenMutation: () => [mockExchange],
+}))
+
+const mockToggleActivityIndicator = jest.fn()
+jest.mock("@app/hooks/useActivityIndicator", () => ({
+  useActivityIndicator: () => ({
+    toggleActivityIndicator: mockToggleActivityIndicator,
+  }),
+}))
+
+jest.mock("@app/i18n/i18n-react", () => ({
+  useI18nContext: () => ({
+    LL: {
+      common: { error: () => "Error" },
+      PlaidLink: {
+        connectedTitle: () => "Bank connected",
+        connectedBody: () => "Your bank is being linked and will appear here shortly.",
+        exchangeFailed: () => "Failed to link your bank. Please try again.",
+        linkFailed: () => "Bank linking failed. Please try again.",
+      },
+    },
+  }),
+}))
+
+import { usePlaidLink } from "@app/hooks/use-plaid-link"
+
+type PlaidHandlers = {
+  onSuccess: (success: { publicToken: string }) => Promise<void>
+  onExit: (exit: {
+    error?: { errorCode?: string; errorMessage?: string; displayMessage?: string }
+  }) => void
+}
+
+const renderPlaidLink = (onLinked?: jest.Mock) =>
+  renderHook(() => usePlaidLink({ onLinked }))
+
+const lastHandlers = (): PlaidHandlers =>
+  (open as jest.Mock).mock.calls[(open as jest.Mock).mock.calls.length - 1][0]
+
+const openLinkAndGetHandlers = (onLinked?: jest.Mock): PlaidHandlers => {
+  const { result } = renderPlaidLink(onLinked)
+  act(() => result.current.openPlaidLink("link-token-1"))
+  expect(create).toHaveBeenCalledWith({ token: "link-token-1" })
+  expect(open).toHaveBeenCalledTimes(1)
+  return lastHandlers()
+}
+
+describe("usePlaidLink", () => {
+  const alertSpy = jest.spyOn(Alert, "alert")
+
+  beforeEach(() => {
+    jest.clearAllMocks()
+  })
+
+  it("exchanges the public token server-side, refetches, and confirms", async () => {
+    const onLinked = jest.fn().mockResolvedValue(undefined)
+    mockExchange.mockResolvedValue({
+      data: { bridgeExchangePlaidPublicToken: { errors: [], message: "ok" } },
+    })
+
+    const handlers = openLinkAndGetHandlers(onLinked)
+    await act(() => handlers.onSuccess({ publicToken: "public-token-1" }))
+
+    expect(mockExchange).toHaveBeenCalledWith({
+      variables: {
+        input: { linkToken: "link-token-1", publicToken: "public-token-1" },
+      },
+    })
+    expect(onLinked).toHaveBeenCalledTimes(1)
+    expect(alertSpy).toHaveBeenCalledWith(
+      "Bank connected",
+      "Your bank is being linked and will appear here shortly.",
+    )
+    // Refetch settles before the user is told the account will appear
+    expect(onLinked.mock.invocationCallOrder[0]).toBeLessThan(
+      alertSpy.mock.invocationCallOrder[0],
+    )
+    // Indicator on for the exchange, off before the alert
+    expect(mockToggleActivityIndicator).toHaveBeenNthCalledWith(1, true)
+    expect(mockToggleActivityIndicator).toHaveBeenNthCalledWith(2, false)
+  })
+
+  it("still reports success when the best-effort refetch rejects", async () => {
+    // The exchange succeeded — the webhook will provision the account. A
+    // refetch failure reported as a link failure makes users re-link and
+    // create duplicate external accounts.
+    const onLinked = jest.fn().mockRejectedValue(new Error("network blip"))
+    mockExchange.mockResolvedValue({
+      data: { bridgeExchangePlaidPublicToken: { errors: [] } },
+    })
+
+    const handlers = openLinkAndGetHandlers(onLinked)
+    await act(() => handlers.onSuccess({ publicToken: "public-token-1" }))
+
+    expect(alertSpy).toHaveBeenCalledWith(
+      "Bank connected",
+      "Your bank is being linked and will appear here shortly.",
+    )
+    expect(alertSpy).not.toHaveBeenCalledWith(
+      "Error",
+      "Failed to link your bank. Please try again.",
+    )
+  })
+
+  it("surfaces exchange payload errors, does not refetch, and re-arms for retry", async () => {
+    const onLinked = jest.fn()
+    mockExchange.mockResolvedValue({
+      data: {
+        bridgeExchangePlaidPublicToken: {
+          errors: [{ code: "BRIDGE_INVALID_PLAID_TOKEN", message: "Invalid token" }],
+        },
+      },
+    })
+
+    const { result } = renderPlaidLink(onLinked)
+    act(() => result.current.openPlaidLink("link-token-1"))
+    await act(() => lastHandlers().onSuccess({ publicToken: "public-token-1" }))
+
+    expect(alertSpy).toHaveBeenCalledWith("Error", "Invalid token")
+    expect(onLinked).not.toHaveBeenCalled()
+    expect(mockToggleActivityIndicator).toHaveBeenLastCalledWith(false)
+
+    // The guard must release on the payload-error early-return path, or the
+    // user's retry after "Invalid token" silently no-ops until remount.
+    act(() => result.current.openPlaidLink("link-token-2"))
+    expect(create).toHaveBeenCalledTimes(2)
+  })
+
+  it("alerts generically, clears the indicator, and re-arms when the exchange throws", async () => {
+    const onLinked = jest.fn()
+    mockExchange.mockRejectedValue(new Error("network down"))
+
+    const { result } = renderPlaidLink(onLinked)
+    act(() => result.current.openPlaidLink("link-token-1"))
+    await act(() => lastHandlers().onSuccess({ publicToken: "public-token-1" }))
+
+    expect(alertSpy).toHaveBeenCalledWith(
+      "Error",
+      "Failed to link your bank. Please try again.",
+    )
+    expect(onLinked).not.toHaveBeenCalled()
+    expect(mockToggleActivityIndicator).toHaveBeenLastCalledWith(false)
+
+    // "Please try again" must actually work: the guard releases on the
+    // thrown-exchange path too.
+    act(() => result.current.openPlaidLink("link-token-2"))
+    expect(create).toHaveBeenCalledTimes(2)
+  })
+
+  it("ignores a second openPlaidLink while a session is in flight, and re-arms after exit", () => {
+    const { result } = renderPlaidLink()
+    act(() => result.current.openPlaidLink("link-token-1"))
+    act(() => result.current.openPlaidLink("link-token-2"))
+
+    // Second call is a no-op — one native session only
+    expect(create).toHaveBeenCalledTimes(1)
+    expect(open).toHaveBeenCalledTimes(1)
+
+    // Session terminated (user cancel) → a new session may open
+    act(() => lastHandlers().onExit({}))
+    act(() => result.current.openPlaidLink("link-token-2"))
+    expect(create).toHaveBeenCalledTimes(2)
+    expect(create).toHaveBeenLastCalledWith({ token: "link-token-2" })
+  })
+
+  it("re-arms after a completed session (onSuccess settled)", async () => {
+    mockExchange.mockResolvedValue({
+      data: { bridgeExchangePlaidPublicToken: { errors: [] } },
+    })
+    const { result } = renderPlaidLink()
+
+    act(() => result.current.openPlaidLink("link-token-1"))
+    await act(() => lastHandlers().onSuccess({ publicToken: "public-token-1" }))
+
+    act(() => result.current.openPlaidLink("link-token-2"))
+    expect(create).toHaveBeenCalledTimes(2)
+  })
+
+  it("alerts on a real Plaid exit error, preferring Plaid's user-facing message", () => {
+    const handlers = openLinkAndGetHandlers()
+
+    act(() =>
+      handlers.onExit({
+        error: {
+          errorCode: "INSTITUTION_ERROR",
+          errorMessage: "developer detail",
+          displayMessage: "Your bank is temporarily unavailable.",
+        },
+      }),
+    )
+    expect(alertSpy).toHaveBeenCalledWith(
+      "Error",
+      "Your bank is temporarily unavailable.",
+    )
+
+    alertSpy.mockClear()
+    act(() => handlers.onExit({ error: { errorCode: "-1" } }))
+    expect(alertSpy).toHaveBeenCalledWith(
+      "Error",
+      "Bank linking failed. Please try again.",
+    )
+  })
+
+  it("stays silent on user cancel — both platform shapes", () => {
+    const handlers = openLinkAndGetHandlers()
+
+    // Android: no error key at all
+    act(() => handlers.onExit({}))
+    // iOS: always-present error object with all-empty fields
+    act(() =>
+      handlers.onExit({
+        error: { errorCode: "", errorMessage: "", displayMessage: "" },
+      }),
+    )
+    expect(alertSpy).not.toHaveBeenCalled()
+  })
+})
diff --git a/app/graphql/front-end-mutations.ts b/app/graphql/front-end-mutations.ts
index 3e29e6f70..7db5a49d5 100644
--- a/app/graphql/front-end-mutations.ts
+++ b/app/graphql/front-end-mutations.ts
@@ -248,7 +248,7 @@ gql`
     bridgeAddExternalAccount {
       externalAccount {
         expiresAt
-        linkUrl
+        linkToken
       }
       errors {
         code
@@ -257,6 +257,16 @@ gql`
     }
   }
 
+  mutation BridgeExchangePlaidPublicToken($input: BridgeExchangePlaidPublicTokenInput!) {
+    bridgeExchangePlaidPublicToken(input: $input) {
+      errors {
+        code
+        message
+      }
+      message
+    }
+  }
+
   mutation BridgeRequestWithdrawal($input: BridgeRequestWithdrawalInput!) {
     bridgeRequestWithdrawal(input: $input) {
       withdrawal {
diff --git a/app/graphql/generated.gql b/app/graphql/generated.gql
index 25e7ad01a..a23899d61 100644
--- a/app/graphql/generated.gql
+++ b/app/graphql/generated.gql
@@ -86,7 +86,7 @@ mutation BridgeAddExternalAccount {
   bridgeAddExternalAccount {
     externalAccount {
       expiresAt
-      linkUrl
+      linkToken
       __typename
     }
     errors {
@@ -137,6 +137,18 @@ mutation BridgeCreateExternalAccount($input: BridgeCreateExternalAccountInput!)
   }
 }
 
+mutation BridgeExchangePlaidPublicToken($input: BridgeExchangePlaidPublicTokenInput!) {
+  bridgeExchangePlaidPublicToken(input: $input) {
+    errors {
+      code
+      message
+      __typename
+    }
+    message
+    __typename
+  }
+}
+
 mutation BridgeInitiateKyc($input: BridgeInitiateKycInput!) {
   bridgeInitiateKyc(input: $input) {
     errors {
diff --git a/app/graphql/generated.ts b/app/graphql/generated.ts
index d7bc63f90..f8bf455c3 100644
--- a/app/graphql/generated.ts
+++ b/app/graphql/generated.ts
@@ -402,6 +402,17 @@ export type BridgeCreateVirtualAccountPayload = {
   readonly virtualAccount?: Maybe<BridgeVirtualAccount>;
 };
 
+export type BridgeExchangePlaidPublicTokenInput = {
+  readonly linkToken: Scalars['String']['input'];
+  readonly publicToken: Scalars['String']['input'];
+};
+
+export type BridgeExchangePlaidPublicTokenPayload = {
+  readonly __typename: 'BridgeExchangePlaidPublicTokenPayload';
+  readonly errors: ReadonlyArray<Error>;
+  readonly message?: Maybe<Scalars['String']['output']>;
+};
+
 export type BridgeExternalAccount = {
   readonly __typename: 'BridgeExternalAccount';
   readonly accountNumberLast4: Scalars['String']['output'];
@@ -413,7 +424,9 @@ export type BridgeExternalAccount = {
 export type BridgeExternalAccountLink = {
   readonly __typename: 'BridgeExternalAccountLink';
   readonly expiresAt: Scalars['String']['output'];
-  readonly linkUrl: Scalars['String']['output'];
+  readonly linkToken: Scalars['String']['output'];
+  /** @deprecated Use linkToken with the Plaid Link SDK. Hosted-URL linking is being retired; this field is best-effort and may be null. */
+  readonly linkUrl?: Maybe<Scalars['String']['output']>;
 };
 
 export type BridgeInitiateKycInput = {
@@ -1066,6 +1079,7 @@ export type Mutation = {
   readonly bridgeCancelWithdrawalRequest: BridgeCancelWithdrawalRequestPayload;
   readonly bridgeCreateExternalAccount: BridgeCreateExternalAccountPayload;
   readonly bridgeCreateVirtualAccount: BridgeCreateVirtualAccountPayload;
+  readonly bridgeExchangePlaidPublicToken: BridgeExchangePlaidPublicTokenPayload;
   readonly bridgeInitiateKyc: BridgeInitiateKycPayload;
   readonly bridgeInitiateWithdrawal: BridgeInitiateWithdrawalPayload;
   readonly bridgeRequestWithdrawal: BridgeRequestWithdrawalPayload;
@@ -1243,6 +1257,11 @@ export type MutationBridgeCreateExternalAccountArgs = {
 };
 
 
+export type MutationBridgeExchangePlaidPublicTokenArgs = {
+  input: BridgeExchangePlaidPublicTokenInput;
+};
+
+
 export type MutationBridgeInitiateKycArgs = {
   input: BridgeInitiateKycInput;
 };
@@ -2685,7 +2704,14 @@ export type BridgeInitiateKycMutation = { readonly __typename: 'Mutation', reado
 export type BridgeAddExternalAccountMutationVariables = Exact<{ [key: string]: never; }>;
 
 
-export type BridgeAddExternalAccountMutation = { readonly __typename: 'Mutation', readonly bridgeAddExternalAccount: { readonly __typename: 'BridgeAddExternalAccountPayload', readonly externalAccount?: { readonly __typename: 'BridgeExternalAccountLink', readonly expiresAt: string, readonly linkUrl: string } | null, readonly errors: ReadonlyArray<{ readonly __typename: 'GraphQLApplicationError', readonly code?: string | null, readonly message: string }> } };
+export type BridgeAddExternalAccountMutation = { readonly __typename: 'Mutation', readonly bridgeAddExternalAccount: { readonly __typename: 'BridgeAddExternalAccountPayload', readonly externalAccount?: { readonly __typename: 'BridgeExternalAccountLink', readonly expiresAt: string, readonly linkToken: string } | null, readonly errors: ReadonlyArray<{ readonly __typename: 'GraphQLApplicationError', readonly code?: string | null, readonly message: string }> } };
+
+export type BridgeExchangePlaidPublicTokenMutationVariables = Exact<{
+  input: BridgeExchangePlaidPublicTokenInput;
+}>;
+
+
+export type BridgeExchangePlaidPublicTokenMutation = { readonly __typename: 'Mutation', readonly bridgeExchangePlaidPublicToken: { readonly __typename: 'BridgeExchangePlaidPublicTokenPayload', readonly message?: string | null, readonly errors: ReadonlyArray<{ readonly __typename: 'GraphQLApplicationError', readonly code?: string | null, readonly message: string }> } };
 
 export type BridgeRequestWithdrawalMutationVariables = Exact<{
   input: BridgeRequestWithdrawalInput;
@@ -4555,7 +4581,7 @@ export const BridgeAddExternalAccountDocument = gql`
   bridgeAddExternalAccount {
     externalAccount {
       expiresAt
-      linkUrl
+      linkToken
     }
     errors {
       code
@@ -4589,6 +4615,43 @@ export function useBridgeAddExternalAccountMutation(baseOptions?: Apollo.Mutatio
 export type BridgeAddExternalAccountMutationHookResult = ReturnType<typeof useBridgeAddExternalAccountMutation>;
 export type BridgeAddExternalAccountMutationResult = Apollo.MutationResult<BridgeAddExternalAccountMutation>;
 export type BridgeAddExternalAccountMutationOptions = Apollo.BaseMutationOptions<BridgeAddExternalAccountMutation, BridgeAddExternalAccountMutationVariables>;
+export const BridgeExchangePlaidPublicTokenDocument = gql`
+    mutation BridgeExchangePlaidPublicToken($input: BridgeExchangePlaidPublicTokenInput!) {
+  bridgeExchangePlaidPublicToken(input: $input) {
+    errors {
+      code
+      message
+    }
+    message
+  }
+}
+    `;
+export type BridgeExchangePlaidPublicTokenMutationFn = Apollo.MutationFunction<BridgeExchangePlaidPublicTokenMutation, BridgeExchangePlaidPublicTokenMutationVariables>;
+
+/**
+ * __useBridgeExchangePlaidPublicTokenMutation__
+ *
+ * To run a mutation, you first call `useBridgeExchangePlaidPublicTokenMutation` within a React component and pass it any options that fit your needs.
+ * When your component renders, `useBridgeExchangePlaidPublicTokenMutation` returns a tuple that includes:
+ * - A mutate function that you can call at any time to execute the mutation
+ * - An object with fields that represent the current status of the mutation's execution
+ *
+ * @param baseOptions options that will be passed into the mutation, supported options are listed on: https://www.apollographql.com/docs/react/api/react-hooks/#options-2;
+ *
+ * @example
+ * const [bridgeExchangePlaidPublicTokenMutation, { data, loading, error }] = useBridgeExchangePlaidPublicTokenMutation({
+ *   variables: {
+ *      input: // value for 'input'
+ *   },
+ * });
+ */
+export function useBridgeExchangePlaidPublicTokenMutation(baseOptions?: Apollo.MutationHookOptions<BridgeExchangePlaidPublicTokenMutation, BridgeExchangePlaidPublicTokenMutationVariables>) {
+        const options = {...defaultOptions, ...baseOptions}
+        return Apollo.useMutation<BridgeExchangePlaidPublicTokenMutation, BridgeExchangePlaidPublicTokenMutationVariables>(BridgeExchangePlaidPublicTokenDocument, options);
+      }
+export type BridgeExchangePlaidPublicTokenMutationHookResult = ReturnType<typeof useBridgeExchangePlaidPublicTokenMutation>;
+export type BridgeExchangePlaidPublicTokenMutationResult = Apollo.MutationResult<BridgeExchangePlaidPublicTokenMutation>;
+export type BridgeExchangePlaidPublicTokenMutationOptions = Apollo.BaseMutationOptions<BridgeExchangePlaidPublicTokenMutation, BridgeExchangePlaidPublicTokenMutationVariables>;
 export const BridgeRequestWithdrawalDocument = gql`
     mutation BridgeRequestWithdrawal($input: BridgeRequestWithdrawalInput!) {
   bridgeRequestWithdrawal(input: $input) {
diff --git a/app/graphql/public-schema.graphql b/app/graphql/public-schema.graphql
index aa3759bac..cdf6a02b4 100644
--- a/app/graphql/public-schema.graphql
+++ b/app/graphql/public-schema.graphql
@@ -329,6 +329,16 @@ type BridgeCreateVirtualAccountPayload {
   virtualAccount: BridgeVirtualAccount
 }
 
+input BridgeExchangePlaidPublicTokenInput {
+  linkToken: String!
+  publicToken: String!
+}
+
+type BridgeExchangePlaidPublicTokenPayload {
+  errors: [Error!]!
+  message: String
+}
+
 type BridgeExternalAccount {
   accountNumberLast4: String!
   bankName: String!
@@ -338,7 +348,8 @@ type BridgeExternalAccount {
 
 type BridgeExternalAccountLink {
   expiresAt: String!
-  linkUrl: String!
+  linkToken: String!
+  linkUrl: String @deprecated(reason: "Use linkToken with the Plaid Link SDK. Hosted-URL linking is being retired; this field is best-effort and may be null.")
 }
 
 input BridgeInitiateKycInput {
@@ -1078,6 +1089,7 @@ type Mutation {
   bridgeCancelWithdrawalRequest(input: BridgeCancelWithdrawalRequestInput!): BridgeCancelWithdrawalRequestPayload!
   bridgeCreateExternalAccount(input: BridgeCreateExternalAccountInput!): BridgeCreateExternalAccountPayload!
   bridgeCreateVirtualAccount: BridgeCreateVirtualAccountPayload!
+  bridgeExchangePlaidPublicToken(input: BridgeExchangePlaidPublicTokenInput!): BridgeExchangePlaidPublicTokenPayload!
   bridgeInitiateKyc(input: BridgeInitiateKycInput!): BridgeInitiateKycPayload!
   bridgeInitiateWithdrawal(input: BridgeInitiateWithdrawalInput!): BridgeInitiateWithdrawalPayload!
   bridgeRequestWithdrawal(input: BridgeRequestWithdrawalInput!): BridgeRequestWithdrawalPayload!
diff --git a/app/hooks/index.ts b/app/hooks/index.ts
index 8850d1b58..5606a657b 100644
--- a/app/hooks/index.ts
+++ b/app/hooks/index.ts
@@ -8,5 +8,6 @@ export * from "./useIbexFee"
 export * from "./useFlashcard"
 export * from "./useSwap"
 export * from "./use-transfer-flags"
+export * from "./use-plaid-link"
 export * from "./use-unauthed-price-conversion"
 export * from "./useAccountUpgrade"
diff --git a/app/hooks/use-plaid-link.ts b/app/hooks/use-plaid-link.ts
new file mode 100644
index 000000000..74426bcff
--- /dev/null
+++ b/app/hooks/use-plaid-link.ts
@@ -0,0 +1,102 @@
+import { useCallback, useRef } from "react"
+import { Alert } from "react-native"
+import {
+  create,
+  open,
+  type LinkExit,
+  type LinkSuccess,
+} from "react-native-plaid-link-sdk"
+
+import { useBridgeExchangePlaidPublicTokenMutation } from "@app/graphql/generated"
+import { useI18nContext } from "@app/i18n/i18n-react"
+
+import { useActivityIndicator } from "./useActivityIndicator"
+
+/**
+ * Plaid Link flow for Bridge external accounts (ENG-524, backend flash#446).
+ *
+ * Opens the native Plaid Link UI with a backend-issued linkToken and performs
+ * the server-side public_token exchange on success — the Bridge Api-Key never
+ * leaves the backend. The linked account is provisioned asynchronously via
+ * Bridge's webhook: callers pass `onLinked` to refetch their account list,
+ * and the success copy tells the user the account will appear shortly.
+ */
+export const usePlaidLink = ({ onLinked }: { onLinked?: () => unknown } = {}) => {
+  const { LL } = useI18nContext()
+  const { toggleActivityIndicator } = useActivityIndicator()
+  const [exchangePlaidPublicToken] = useBridgeExchangePlaidPublicTokenMutation()
+
+  // The SDK's native module is a singleton: a second create()/open() while a
+  // session is up replaces its handler and stored JS callbacks, cross-wiring
+  // {linkToken, publicToken} pairs or dropping callbacks entirely. Guard from
+  // openPlaidLink until the session terminates (onSuccess settles or onExit).
+  const sessionInFlight = useRef(false)
+
+  const openPlaidLink = useCallback(
+    (linkToken: string) => {
+      if (sessionInFlight.current) return
+      sessionInFlight.current = true
+
+      create({ token: linkToken })
+      open({
+        onSuccess: async (success: LinkSuccess) => {
+          toggleActivityIndicator(true)
+          try {
+            const res = await exchangePlaidPublicToken({
+              variables: { input: { linkToken, publicToken: success.publicToken } },
+            })
+            toggleActivityIndicator(false)
+
+            const errors = res.data?.bridgeExchangePlaidPublicToken?.errors
+            if (errors && errors.length > 0) {
+              Alert.alert(LL.common.error(), errors[0].message)
+              return
+            }
+
+            // The exchange succeeded — the link IS established and the webhook
+            // will provision the account. The refetch is best-effort: its
+            // failure (flaky network, unmounted screen) must never be reported
+            // as a failed bank link, or users re-link and create duplicates.
+            try {
+              await onLinked?.()
+            } catch {
+              // best-effort — the next screen focus refetches anyway
+            }
+            Alert.alert(LL.PlaidLink.connectedTitle(), LL.PlaidLink.connectedBody())
+          } catch (err) {
+            toggleActivityIndicator(false)
+            Alert.alert(LL.common.error(), LL.PlaidLink.exchangeFailed())
+          } finally {
+            sessionInFlight.current = false
+          }
+        },
+        onExit: (exit: LinkExit) => {
+          sessionInFlight.current = false
+          // A plain user cancel must stay silent — but the iOS bridge ALWAYS
+          // embeds an `error` object (with empty-string fields) in the exit
+          // payload, while Android omits it. Presence is meaningless on iOS;
+          // detect a real failure by content. Real Plaid errors carry a
+          // non-empty errorCode on both platforms.
+          const exitError = exit.error
+          const isRealError = Boolean(
+            exitError &&
+              (exitError.errorCode || exitError.errorMessage || exitError.displayMessage),
+          )
+          if (isRealError && exitError) {
+            Alert.alert(
+              LL.common.error(),
+              // displayMessage is Plaid's user-facing copy; errorMessage is
+              // developer-facing and only a fallback.
+              exitError.displayMessage ||
+                exitError.errorMessage ||
+                LL.PlaidLink.linkFailed(),
+            )
+          }
+        },
+      })
+    },
+    [exchangePlaidPublicToken, onLinked, toggleActivityIndicator, LL],
+  )
+
+  return { openPlaidLink }
+}
diff --git a/app/i18n/en/index.ts b/app/i18n/en/index.ts
index 6cf5d3b84..e97dd59bb 100644
--- a/app/i18n/en/index.ts
+++ b/app/i18n/en/index.ts
@@ -636,6 +636,12 @@ const en: BaseTranslation = {
     viewInGoogleMaps: "View in Google Maps",
     getDirections: "Get Directions",
   },
+  PlaidLink: {
+    connectedTitle: "Bank connected",
+    connectedBody: "Your bank is being linked and will appear here shortly.",
+    exchangeFailed: "Failed to link your bank. Please try again.",
+    linkFailed: "Bank linking failed. Please try again.",
+  },
   HomeScreen: {
     cashout: "Cash Out",
     receive: "Receive",
diff --git a/app/i18n/i18n-types.ts b/app/i18n/i18n-types.ts
index 375dfcc87..2e52eee97 100644
--- a/app/i18n/i18n-types.ts
+++ b/app/i18n/i18n-types.ts
@@ -2017,6 +2017,24 @@ type RootTranslation = {
 		 */
 		getDirections: string
 	}
+	PlaidLink: {
+		/**
+		 * B​a​n​k​ ​c​o​n​n​e​c​t​e​d
+		 */
+		connectedTitle: string
+		/**
+		 * Y​o​u​r​ ​b​a​n​k​ ​i​s​ ​b​e​i​n​g​ ​l​i​n​k​e​d​ ​a​n​d​ ​w​i​l​l​ ​a​p​p​e​a​r​ ​h​e​r​e​ ​s​h​o​r​t​l​y​.
+		 */
+		connectedBody: string
+		/**
+		 * F​a​i​l​e​d​ ​t​o​ ​l​i​n​k​ ​y​o​u​r​ ​b​a​n​k​.​ ​P​l​e​a​s​e​ ​t​r​y​ ​a​g​a​i​n​.
+		 */
+		exchangeFailed: string
+		/**
+		 * B​a​n​k​ ​l​i​n​k​i​n​g​ ​f​a​i​l​e​d​.​ ​P​l​e​a​s​e​ ​t​r​y​ ​a​g​a​i​n​.
+		 */
+		linkFailed: string
+	}
 	HomeScreen: {
 		/**
 		 * C​a​s​h​ ​O​u​t
@@ -7927,6 +7945,24 @@ export type TranslationFunctions = {
 		 */
 		getDirections: () => LocalizedString
 	}
+	PlaidLink: {
+		/**
+		 * Bank connected
+		 */
+		connectedTitle: () => LocalizedString
+		/**
+		 * Your bank is being linked and will appear here shortly.
+		 */
+		connectedBody: () => LocalizedString
+		/**
+		 * Failed to link your bank. Please try again.
+		 */
+		exchangeFailed: () => LocalizedString
+		/**
+		 * Bank linking failed. Please try again.
+		 */
+		linkFailed: () => LocalizedString
+	}
 	HomeScreen: {
 		/**
 		 * Cash Out
diff --git a/app/i18n/raw-i18n/source/en.json b/app/i18n/raw-i18n/source/en.json
index 4d517beb4..8102d5b31 100644
--- a/app/i18n/raw-i18n/source/en.json
+++ b/app/i18n/raw-i18n/source/en.json
@@ -596,6 +596,12 @@
         "viewInGoogleMaps": "View in Google Maps",
         "getDirections": "Get Directions"
     },
+    "PlaidLink": {
+        "connectedTitle": "Bank connected",
+        "connectedBody": "Your bank is being linked and will appear here shortly.",
+        "exchangeFailed": "Failed to link your bank. Please try again.",
+        "linkFailed": "Bank linking failed. Please try again."
+    },
     "HomeScreen": {
         "cashout": "Cash Out",
         "receive": "Receive",
diff --git a/app/i18n/raw-i18n/translations/af.json b/app/i18n/raw-i18n/translations/af.json
index 01a91cc51..d7b35593e 100644
--- a/app/i18n/raw-i18n/translations/af.json
+++ b/app/i18n/raw-i18n/translations/af.json
@@ -1673,5 +1673,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Bank gekoppel",
+    "connectedBody": "Jou bank word gekoppel en sal binnekort hier verskyn.",
+    "exchangeFailed": "Kon nie jou bank koppel nie. Probeer asseblief weer.",
+    "linkFailed": "Bankkoppeling het misluk. Probeer asseblief weer."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/ar.json b/app/i18n/raw-i18n/translations/ar.json
index 5281c2f22..14a90aae7 100644
--- a/app/i18n/raw-i18n/translations/ar.json
+++ b/app/i18n/raw-i18n/translations/ar.json
@@ -1678,5 +1678,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "تم ربط البنك",
+    "connectedBody": "يتم ربط بنكك وسيظهر هنا قريبًا.",
+    "exchangeFailed": "فشل ربط البنك. يرجى المحاولة مرة أخرى.",
+    "linkFailed": "فشل ربط البنك. يرجى المحاولة مرة أخرى."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/ca.json b/app/i18n/raw-i18n/translations/ca.json
index b92c79d94..4219b5e9a 100644
--- a/app/i18n/raw-i18n/translations/ca.json
+++ b/app/i18n/raw-i18n/translations/ca.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banc connectat",
+    "connectedBody": "El teu banc s'està vinculant i apareixerà aquí aviat.",
+    "exchangeFailed": "No s'ha pogut vincular el teu banc. Torna-ho a provar.",
+    "linkFailed": "La vinculació del banc ha fallat. Torna-ho a provar."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/cs.json b/app/i18n/raw-i18n/translations/cs.json
index 375e28419..abfbe1665 100644
--- a/app/i18n/raw-i18n/translations/cs.json
+++ b/app/i18n/raw-i18n/translations/cs.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banka připojena",
+    "connectedBody": "Vaše banka se propojuje a brzy se zde zobrazí.",
+    "exchangeFailed": "Propojení banky se nezdařilo. Zkuste to prosím znovu.",
+    "linkFailed": "Propojení banky selhalo. Zkuste to prosím znovu."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/da.json b/app/i18n/raw-i18n/translations/da.json
index d8bdea752..02c06f233 100644
--- a/app/i18n/raw-i18n/translations/da.json
+++ b/app/i18n/raw-i18n/translations/da.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Bank forbundet",
+    "connectedBody": "Din bank bliver tilknyttet og vises her snart.",
+    "exchangeFailed": "Kunne ikke tilknytte din bank. Prøv venligst igen.",
+    "linkFailed": "Banktilknytning mislykkedes. Prøv venligst igen."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/de.json b/app/i18n/raw-i18n/translations/de.json
index 4416e6b54..8de195aa6 100644
--- a/app/i18n/raw-i18n/translations/de.json
+++ b/app/i18n/raw-i18n/translations/de.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Bank verbunden",
+    "connectedBody": "Deine Bank wird verknüpft und erscheint hier in Kürze.",
+    "exchangeFailed": "Deine Bank konnte nicht verknüpft werden. Bitte versuche es erneut.",
+    "linkFailed": "Bankverknüpfung fehlgeschlagen. Bitte versuche es erneut."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/el.json b/app/i18n/raw-i18n/translations/el.json
index 90f3d452e..58640db7a 100644
--- a/app/i18n/raw-i18n/translations/el.json
+++ b/app/i18n/raw-i18n/translations/el.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Η τράπεζα συνδέθηκε",
+    "connectedBody": "Η τράπεζά σου συνδέεται και θα εμφανιστεί εδώ σύντομα.",
+    "exchangeFailed": "Η σύνδεση της τράπεζας απέτυχε. Δοκίμασε ξανά.",
+    "linkFailed": "Η σύνδεση της τράπεζας απέτυχε. Δοκίμασε ξανά."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/es.json b/app/i18n/raw-i18n/translations/es.json
index b968c0a3d..38373b0b1 100644
--- a/app/i18n/raw-i18n/translations/es.json
+++ b/app/i18n/raw-i18n/translations/es.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banco conectado",
+    "connectedBody": "Tu banco se está vinculando y aparecerá aquí pronto.",
+    "exchangeFailed": "No se pudo vincular tu banco. Inténtalo de nuevo.",
+    "linkFailed": "La vinculación del banco falló. Inténtalo de nuevo."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/fr.json b/app/i18n/raw-i18n/translations/fr.json
index c0bf2496c..48202f9b6 100644
--- a/app/i18n/raw-i18n/translations/fr.json
+++ b/app/i18n/raw-i18n/translations/fr.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banque connectée",
+    "connectedBody": "Votre banque est en cours de liaison et apparaîtra ici sous peu.",
+    "exchangeFailed": "Impossible de lier votre banque. Veuillez réessayer.",
+    "linkFailed": "La liaison bancaire a échoué. Veuillez réessayer."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/hr.json b/app/i18n/raw-i18n/translations/hr.json
index ba5f9b3b5..0dc8fe054 100644
--- a/app/i18n/raw-i18n/translations/hr.json
+++ b/app/i18n/raw-i18n/translations/hr.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banka povezana",
+    "connectedBody": "Vaša banka se povezuje i uskoro će se pojaviti ovdje.",
+    "exchangeFailed": "Povezivanje banke nije uspjelo. Pokušajte ponovno.",
+    "linkFailed": "Povezivanje banke nije uspjelo. Pokušajte ponovno."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/hu.json b/app/i18n/raw-i18n/translations/hu.json
index 304f01950..6d2bf3f9d 100644
--- a/app/i18n/raw-i18n/translations/hu.json
+++ b/app/i18n/raw-i18n/translations/hu.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Bank összekapcsolva",
+    "connectedBody": "A bankod összekapcsolása folyamatban van, hamarosan itt megjelenik.",
+    "exchangeFailed": "Nem sikerült összekapcsolni a bankodat. Kérjük, próbáld újra.",
+    "linkFailed": "A bank összekapcsolása nem sikerült. Kérjük, próbáld újra."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/hy.json b/app/i18n/raw-i18n/translations/hy.json
index b8b88c91b..c81b35caf 100644
--- a/app/i18n/raw-i18n/translations/hy.json
+++ b/app/i18n/raw-i18n/translations/hy.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Բանկը միացված է",
+    "connectedBody": "Ձեր բանկը կապվում է և շուտով կհայտնվի այստեղ։",
+    "exchangeFailed": "Չհաջողվեց կապել ձեր բանկը։ Խնդրում ենք փորձել կրկին։",
+    "linkFailed": "Բանկի կապումը ձախողվեց։ Խնդրում ենք փորձել կրկին։"
   }
 }
diff --git a/app/i18n/raw-i18n/translations/it.json b/app/i18n/raw-i18n/translations/it.json
index a05844ef4..e2e6e37dc 100644
--- a/app/i18n/raw-i18n/translations/it.json
+++ b/app/i18n/raw-i18n/translations/it.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banca collegata",
+    "connectedBody": "La tua banca è in fase di collegamento e apparirà qui a breve.",
+    "exchangeFailed": "Impossibile collegare la tua banca. Riprova.",
+    "linkFailed": "Collegamento della banca non riuscito. Riprova."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/ms.json b/app/i18n/raw-i18n/translations/ms.json
index 49cfb530f..282d9ad35 100644
--- a/app/i18n/raw-i18n/translations/ms.json
+++ b/app/i18n/raw-i18n/translations/ms.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Bank disambungkan",
+    "connectedBody": "Bank anda sedang dipautkan dan akan muncul di sini tidak lama lagi.",
+    "exchangeFailed": "Gagal memautkan bank anda. Sila cuba lagi.",
+    "linkFailed": "Pemautan bank gagal. Sila cuba lagi."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/nl.json b/app/i18n/raw-i18n/translations/nl.json
index 0e15f8e07..419a52d93 100644
--- a/app/i18n/raw-i18n/translations/nl.json
+++ b/app/i18n/raw-i18n/translations/nl.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Bank gekoppeld",
+    "connectedBody": "Je bank wordt gekoppeld en verschijnt hier binnenkort.",
+    "exchangeFailed": "Kon je bank niet koppelen. Probeer het opnieuw.",
+    "linkFailed": "Bankkoppeling mislukt. Probeer het opnieuw."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/pt.json b/app/i18n/raw-i18n/translations/pt.json
index 8b9335106..b7366fe4f 100644
--- a/app/i18n/raw-i18n/translations/pt.json
+++ b/app/i18n/raw-i18n/translations/pt.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banco conectado",
+    "connectedBody": "Seu banco está sendo vinculado e aparecerá aqui em breve.",
+    "exchangeFailed": "Não foi possível vincular seu banco. Tente novamente.",
+    "linkFailed": "A vinculação do banco falhou. Tente novamente."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/qu.json b/app/i18n/raw-i18n/translations/qu.json
index 69542dfcd..9ebabeaa3 100644
--- a/app/i18n/raw-i18n/translations/qu.json
+++ b/app/i18n/raw-i18n/translations/qu.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banco tinkisqa",
+    "connectedBody": "Bancoyki tinkichkan, kaypi rikhurinqa ratolla.",
+    "exchangeFailed": "Mana atirqachu bancoykita tinkiy. Ama hina kaspa, wakmanta ruray.",
+    "linkFailed": "Banco tinkiy mana atisqa. Ama hina kaspa, wakmanta ruray."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/sr.json b/app/i18n/raw-i18n/translations/sr.json
index ee740956c..e0b4a2dbf 100644
--- a/app/i18n/raw-i18n/translations/sr.json
+++ b/app/i18n/raw-i18n/translations/sr.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Банка повезана",
+    "connectedBody": "Ваша банка се повезује и ускоро ће се појавити овде.",
+    "exchangeFailed": "Повезивање банке није успело. Покушајте поново.",
+    "linkFailed": "Повезивање банке није успело. Покушајте поново."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/sw.json b/app/i18n/raw-i18n/translations/sw.json
index b6449c08a..456bbce84 100644
--- a/app/i18n/raw-i18n/translations/sw.json
+++ b/app/i18n/raw-i18n/translations/sw.json
@@ -1678,5 +1678,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Benki imeunganishwa",
+    "connectedBody": "Benki yako inaunganishwa na itaonekana hapa hivi karibuni.",
+    "exchangeFailed": "Imeshindwa kuunganisha benki yako. Tafadhali jaribu tena.",
+    "linkFailed": "Kuunganisha benki kumeshindwa. Tafadhali jaribu tena."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/th.json b/app/i18n/raw-i18n/translations/th.json
index 7d7c5a001..a2a38cde2 100644
--- a/app/i18n/raw-i18n/translations/th.json
+++ b/app/i18n/raw-i18n/translations/th.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "เชื่อมต่อธนาคารแล้ว",
+    "connectedBody": "กำลังเชื่อมโยงธนาคารของคุณ และจะแสดงที่นี่ในไม่ช้า",
+    "exchangeFailed": "ไม่สามารถเชื่อมโยงธนาคารของคุณได้ กรุณาลองใหม่อีกครั้ง",
+    "linkFailed": "การเชื่อมโยงธนาคารล้มเหลว กรุณาลองใหม่อีกครั้ง"
   }
 }
diff --git a/app/i18n/raw-i18n/translations/tr.json b/app/i18n/raw-i18n/translations/tr.json
index 5bf21a7e5..0e1fc0da0 100644
--- a/app/i18n/raw-i18n/translations/tr.json
+++ b/app/i18n/raw-i18n/translations/tr.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Banka bağlandı",
+    "connectedBody": "Bankanız bağlanıyor ve kısa süre içinde burada görünecek.",
+    "exchangeFailed": "Bankanız bağlanamadı. Lütfen tekrar deneyin.",
+    "linkFailed": "Banka bağlantısı başarısız oldu. Lütfen tekrar deneyin."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/vi.json b/app/i18n/raw-i18n/translations/vi.json
index d2ed7b90d..678642e31 100644
--- a/app/i18n/raw-i18n/translations/vi.json
+++ b/app/i18n/raw-i18n/translations/vi.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Đã kết nối ngân hàng",
+    "connectedBody": "Ngân hàng của bạn đang được liên kết và sẽ sớm xuất hiện tại đây.",
+    "exchangeFailed": "Không thể liên kết ngân hàng của bạn. Vui lòng thử lại.",
+    "linkFailed": "Liên kết ngân hàng thất bại. Vui lòng thử lại."
   }
 }
diff --git a/app/i18n/raw-i18n/translations/xh.json b/app/i18n/raw-i18n/translations/xh.json
index 30fe869bc..66480afe6 100644
--- a/app/i18n/raw-i18n/translations/xh.json
+++ b/app/i18n/raw-i18n/translations/xh.json
@@ -1672,5 +1672,11 @@
     "genericError": "Something went wrong. Please try again.",
     "alreadyLinkedTitle": "Bank Account Already Linked",
     "alreadyLinkedMessage": "This bank account is already linked to your profile."
+  },
+  "PlaidLink": {
+    "connectedTitle": "Ibhanki iqhagamshelwe",
+    "connectedBody": "Ibhanki yakho iyaqhagamshelwa kwaye iza kubonakala apha kungekudala.",
+    "exchangeFailed": "Ayikwazanga ukuqhagamshela ibhanki yakho. Nceda uzame kwakhona.",
+    "linkFailed": "Ukuqhagamshelwa kwebhanki akuphumelelanga. Nceda uzame kwakhona."
   }
 }
diff --git a/app/screens/topup-cashout-flow/TopupCashout.tsx b/app/screens/topup-cashout-flow/TopupCashout.tsx
index d4e0bea86..44eed036a 100644
--- a/app/screens/topup-cashout-flow/TopupCashout.tsx
+++ b/app/screens/topup-cashout-flow/TopupCashout.tsx
@@ -27,6 +27,7 @@ import {
   useBridgeKycStatusQuery,
 } from "@app/graphql/generated"
 import { useActivityIndicator, useTransferFlags } from "@app/hooks"
+import { usePlaidLink } from "@app/hooks/use-plaid-link"
 import { useLevel } from "@app/graphql/level-context"
 
 type Props = StackScreenProps<RootStackParamList, "TopupCashout">
@@ -111,6 +112,10 @@ const TopupCashout: React.FC<Props> = ({ navigation }) => {
     [currentLevel, navigation],
   )
 
+  // Plaid Link + server-side public_token exchange (ENG-524); the linked
+  // account arrives asynchronously via Bridge's webhook, so refetch on link.
+  const { openPlaidLink } = usePlaidLink({ onLinked: refetchExternalAccounts })
+
   const checkBridgeKyc = useCallback(
     async (type: "topup" | "settle") => {
       if (!bridgeEnabled) return
@@ -130,24 +135,33 @@ const TopupCashout: React.FC<Props> = ({ navigation }) => {
           navigation.navigate("CashoutDetails", { type: "bridge" })
         } else {
           toggleActivityIndicator(true)
-          const res = await addExternalAccount()
-          toggleActivityIndicator(false)
+          try {
+            const res = await addExternalAccount()
+            toggleActivityIndicator(false)
 
-          const errors = res.data?.bridgeAddExternalAccount?.errors
-          if (errors && errors.length > 0) {
-            // If Plaid Link is unavailable, offer manual bank entry as fallback
-            if (errors[0].code === "BRIDGE_PLAID_NOT_AVAILABLE") {
-              navigation.navigate("BridgeAddExternalAccount")
+            const errors = res.data?.bridgeAddExternalAccount?.errors
+            if (errors && errors.length > 0) {
+              // If Plaid Link is unavailable, offer manual bank entry as fallback
+              if (errors[0].code === "BRIDGE_PLAID_NOT_AVAILABLE") {
+                navigation.navigate("BridgeAddExternalAccount")
+                return
+              }
+              Alert.alert("Error", errors[0].message)
               return
             }
-            Alert.alert("Error", errors[0].message)
-            return
-          }
 
-          const linkUrl = res.data?.bridgeAddExternalAccount?.externalAccount?.linkUrl
-          if (linkUrl) {
-            navigation.navigate("BridgeExternalAccountWebView", { linkUrl })
-          } else {
+            const linkToken =
+              res.data?.bridgeAddExternalAccount?.externalAccount?.linkToken
+            if (linkToken) {
+              openPlaidLink(linkToken)
+            } else {
+              Alert.alert(
+                "Error",
+                "Failed to get external account link. Please try again.",
+              )
+            }
+          } catch (err) {
+            toggleActivityIndicator(false)
             Alert.alert("Error", "Failed to get external account link. Please try again.")
           }
         }
@@ -161,6 +175,7 @@ const TopupCashout: React.FC<Props> = ({ navigation }) => {
       externalAccountsData?.bridgeExternalAccounts,
       kycStatusData?.bridgeKycStatus,
       navigation,
+      openPlaidLink,
       toggleActivityIndicator,
     ],
   )
diff --git a/package.json b/package.json
index 4e921be0e..7939e435a 100644
--- a/package.json
+++ b/package.json
@@ -162,6 +162,7 @@
     "react-native-modal": "^14.0.0-rc.1",
     "react-native-nfc-manager": "^3.14.8",
     "react-native-pager-view": "6.9.1",
+    "react-native-plaid-link-sdk": "12.8.3",
     "react-native-qrcode-svg": "^6.2.0",
     "react-native-randombytes": "^3.6.1",
     "react-native-rate": "^1.2.12",
diff --git a/yarn.lock b/yarn.lock
index e88d41206..9c1938605 100644
--- a/yarn.lock
+++ b/yarn.lock
@@ -20654,6 +20654,11 @@ react-native-pager-view@6.9.1:
   resolved "https://registry.yarnpkg.com/react-native-pager-view/-/react-native-pager-view-6.9.1.tgz#a9e6d9323935cc2ae1d46d7816b66f76dc3eff8e"
   integrity sha512-uUT0MMMbNtoSbxe9pRvdJJKEi9snjuJ3fXlZhG8F2vVMOBJVt/AFtqMPUHu9yMflmqOr08PewKzj9EPl/Yj+Gw==
 
+react-native-plaid-link-sdk@12.8.3:
+  version "12.8.3"
+  resolved "https://registry.yarnpkg.com/react-native-plaid-link-sdk/-/react-native-plaid-link-sdk-12.8.3.tgz#b43c48e70a3f82813a77b66278d9c3a38e46628d"
+  integrity sha512-vdIETjkMncTFxqPFN8+kWyzI3bjEa2Z86DOevI++h/JAGQBgaVy3fQHggEIhfVLr2g+U1TsfrmHqCOOqy/qcGw==
+
 react-native-qrcode-svg@^6.2.0:
   version "6.3.21"
   resolved "https://registry.yarnpkg.com/react-native-qrcode-svg/-/react-native-qrcode-svg-6.3.21.tgz#af873cf8e5b9fc68315a2c267ff6563d55c56abb"