Provide a privacy-conscious reconciliation service that imports customer-authorized exports, compares them with bank and card statements, resolves duplicates and omissions, standardizes categories, and delivers a verified monthly ledger. Begin with a migration and cleanup package, then offer recurring reconciliation and exception review. Lightweight software can later support secure document intake, matching, audit trails, and customer approval without attempting to replace every budgeting product.

Consumers displaced from discontinued or deteriorating finance products are accumulating unreliable histories and facing high switching costs. Persistent connection and categorization complaints create room for a productized human-in-the-loop service centered on data accuracy rather than budgeting features.