People who have watched a finance product get acquired, shut down, or change its terms.
You want the ledger, not the verdict
Can I see why it decided what it decided, and can I leave?
Append-only storage, traceable categorization, full export on every tier including the free one.
The raw row is never edited
What your bank sent is written once. Categories live in a separate versioned layer that points back at the original, so recategorizing writes a new revision rather than destroying the old one.
Every categorization is traceable
Expand any transaction and it shows which rule fired, at what confidence, against what raw string. If you cannot audit the categorization, you should not trust the forecast built on top of it.
Self-hosting is the full product
Not a trial, not a crippled tier. File import and SimpleFIN carry the self-hosted path at no cost to whoever runs the server. The paid plans cover hosting and per-account aggregator fees, which are the only things that actually cost money.
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