... money apps often make harder than it needs to be: people want to understand where their money is going, but they don t necessarily want another budget to maintain. Spendalyst takes a spending-awareness approach instead. It connects through Plaid, analyzes spending and trends automatically, detects subscriptions and recurring price changes, and gives one personalized coaching insight each Monday. The idea is less maintenance, more useful awareness. I m still learning which part creates the strongest reason for people ...

... MizuFlow Budget & Track We've launched a week ago and are seeing results already :] MizuFlow uses Plaid as the aggregator to help track your transaction history & detect your income source(s) so you can distribute it into custom budget categories. We track your subscriptions & bills so you're never out of the loop ensuring you receive price-alerts & reminders of upcoming bill cycles. The biggest differentiator we have in comparison to our competitive market ...

... Over the last year, I've been building an AI infrastructure company for financial institutions, and one thing has become increasingly clear to me. Most fintechs have solved access to financial data. Open banking platforms like Plaid made data accessible. Analytics platforms made it measurable. AI made it easier to summarize. But I don't think we've solved understanding. Millions of transactions tell us what happened. Very few products explain: Why spending habits are changing Which financial behaviors ... ... dashboards instead of understanding? If you build fintech products, what's the hardest part about turning financial data into something customers actually find valuable? If behavioral intelligence existed as infrastructure (similar to how Stripe became payments infrastructure or Plaid

... happened after you spent. It detects where you are via GPS, finds the highest-earning card in your wallet for that merchant, and opens Apple Wallet directly to it before you tap. It also connects to your bank via Plaid to track real spending, detect subscriptions you forgot about, and scan receipts with your camera. If you're willing to spend a few minutes trying it out, I'd really appreciate it. If you find it useful, feel free ...

... Easiest is to reach me through botwork.network and we can find the overlap. Comment from Fabrizio Pfannl(@fabriziowexare): Trust isn't a dollar dial, it's an action-class permission tree: reversible operations (read balance, draft a transfer) versus irreversible ones (signed send, contract execute). Stripe Connect scopes ( https://stripe.com/docs/connect/... ) and Plaid

... newer AI infra companies, they're quietly becoming the new backbone for most online apps - definitely emptying my pockets here. Comment from Elena Mira(@elenamira): I'd buy the "default stack" that compounds over time. Stripe, Vercel, OpenAI, Plaid. Defaults win because switching costs are real. Comment from Thorin(@tmtabor): @busmark_w_nika  As I see it, OpenAI's last big game-changing release was GPT-4, back in 2023. At the speed that AI has been developing, that ... ... quite a long time ago. Since then, GPT-4o was simply a slight optimization on GPT-4. GPT-5's been underwhelming. Meanwhile, at least in terms of model performance, their competitors

... sometimes things turn out to be more exciting, and we end up working on them for much longer. Maybe there s been a misunderstanding about my point. Right now, I m working on a new project. This is Plaid for healthcare memory. We re really in a very early stage. We first started on this topic just three months ago. But if there are no major disruptions, I think I ll stay active at least until spring 2027, and very ...

... amazing how these companies started here! Literally from the earliest stage to becoming known around the world. And it looks like Discord might be the next company that launched here to go public. We ll be waiting for Plaid or another one to reach number ...

... though. likely would need to leverage AI more, as it would be a more nuanced decision tree. Comment from Matt Carroll(@catt_marroll): @mikekerzhner  interesting. good suggestions. im not sure about this existing, probably in some capacity somewhere. @plaid provides an API for recurring transactions on someones accounts, though im not sure how accurate it is with things like paychecks / investments. probably reasonable to spin something up with an LLM as well. i think a nice middle ground would ...

... project! I think ~20 people signed up for My Financ from this campaign. I am so excited about this! There are still a ton of instabilities in My Financ , and I am still working out the kinks with the @plaid integration, so my apologies to those 20 users for any roughness you might have hit. I want the experience to be super polished, but I also want to ship fast, and that's a trade-off I'm learning ...

... hiding under a rock. What's everyone using for personal finance? At minimum, I want: All the normal budgeting, account views, dashboards, etc. To see trends over time on category spend, expenses, income, net worth Integrates via Plaid to all banks Doesn't sell my data to credit card companies To pay a monthly fee in exchange for the company to be workable without selling data And then my wishlist is: Let's me invite my spouse Shows brokerage account ... ... with a grain of salt. My goals are pretty similar to yours and the app I build more or less checks all of these boxes: To see trends over time on category spend, expenses, income, net worth Integrates via Plaid

... more to give a quicker and wider overview of various key benefits. For example, under the Get it Now button, could have 4 little "Plan | Build | Run | Improve" labels with links to sections, or single sentence summaries for each. - Alternatively, instead of the big screenshot on the right, maybe a 30-second video that does a high-level summary of the app would be better. This is a complex product and sometimes hearing someone explain what it is by walking ... ... Focused Messaging : The emphasis on reducing clutter, distractions, and stress aligns with common frustrations in software development workflows. 3. Modern Design Elements : The use of emojis and concise headers adds a casual yet engaging tone, making the content approachable vs

... understood in the first 5 10 seconds. Right now the value is strong, but the mental model (job CV scoring ranking) could be made more instantly obvious for first-time users. Curious how you re thinking about onboarding clarity vs feature depth. Comment from Glen(@glen11): @matty_reed  clear positioning is usually the hardest part to get right early on. Curious how you re thinking about scaling it beyond direct landing page traffic? Comment from Glen(@glen11): @mahima_manik ... ... years ago! the browser is awesome and was probably the first newsletter i intentionally subbed :) Comment from Matt Carroll(@catt_marroll): great feedback from both of you, thanks! i think putting the actual landing page as the landing page (vs

... marroll): @lagap  Amazing, thanks for taking a look! Yeah i think there should also be a like "how does this work" real landing page. good callout! also a +1 on the bank / cc info. Part of this approach vs using @Plaid

... access to. Interested in trying it? Comment from Matt Carroll(@catt_marroll): @niclas_pandey  also thanks for the reply, this is pretty insightful. im glad you posted up. Comment from Matt Carroll(@catt_marroll): @steveb  not using plaid yet, still just having people upload bank statements -- which are parsed + stored. So the "sensitive" data is people transactions, no credentials. RLS seems nice because you save yourself from having to write select {....} where {...} and user_id == user.id on every ... ... query (which feels easy to forget with pretty bad outcomes). I think the problem will be the same when I integrate with plaid

... something similar just for earning points would be Max Rewards. Our focus is to compile rewards info to have more of a holistic view of the entire ecosystem. We also plan to bring some large and powerful features via Plaid that will take a considerable amount of time to implement such as tailored suggestions on what cards to condense spending to or new card recommendations based off of historic spending patterns. Would features like that be something that would ...