Everything you need to know

Yes: we're in free beta, with no hidden costs and no credit card. There isn't even a way to pay us yet. Access starts as a 30-day trial with every feature switched on; if you'd like longer, just ask, and during beta we'll say yes.

Right now, it doesn't: CoinFlow costs money to run. Every bank account you connect carries a monthly fee from our bank-data provider, so we will most likely charge for live bank sync eventually. We'd rather say that plainly than promise a free tier we might not be able to keep.

What we will commit to: your data is never held hostage. If you don't pay, the app goes read-only instead of locking you out: you keep reading and exporting everything you ever put in, at no cost, for as long as you want it.

We use Plaid, the industry-leading banking API trusted by Venmo, Robinhood and thousands of apps. Your bank credentials go to Plaid, never to our servers. We only have read-only access: we cannot move money or make changes to your accounts.

No. We only have read-only access to your transaction history and account balances. We cannot initiate transfers, make payments, or modify your accounts in any way.

Never. Your financial data is private and belongs to you. We do not sell, share, or monetize your personal information. See our Privacy Policy for details.

You sign up with Google. Once you are in, you can add a passkey on your Account page and sign in with it from then on.

Whenever you ask: choose "Sync latest" on Transactions, or "Sync all" on Accounts, and we pull the latest from your banks through Plaid. Most transactions appear within 1-4 hours of being made, depending on your bank.

Yes. Split a single transaction across several categories: for example, a Target purchase into "Groceries" and "Household items". Use the split button on the transaction's row.

It's rule-based, not AI. When you categorize a transaction, CoinFlow saves the merchant and the category you chose. New transactions are matched against those saved pairs, first on merchant name and then on the description, and filed automatically. If a merchant has no saved pair yet, it uses whichever category you've most often given that merchant before.

It only ever learns from your choices; nothing is shared between accounts, and your transactions are never sent to a third-party model. You can always override a categorization, and doing so updates the rule.

Yes: up to 10 accounts and credit cards, from as many different institutions as you like. All transactions come together in one place.

Yes. CoinFlow is an MCP server: add it as a connector in Claude (or another MCP client), sign in, and approve the assistant. It can then look up your transactions, budgets, categories and tags, and categorize, tag or split transactions for you. You can disconnect it from your Account page at any time.

Add a wallet by its extended public key (xpub, ypub or zpub). It is watch-only: we can see its addresses and transactions, but we can never spend from it. You can also add transactions by hand or import them from CSV.

To an Electrum server, which looks up their transactions. Set your own server in Settings and nothing goes anywhere else. A shared server is there if you have none, but only after you agree to send your addresses to it.

FIFO, LIFO and HIFO. Choose one, compare all three side by side for any tax year, and download the realized gains as a Form 8949 CSV. We do not give tax advice: check the report with your tax professional.

• Check that your bank credentials are correct
• Check whether your bank requires multi-factor authentication
• Try again in a few minutes (banks have temporary outages)
• Some banks require you to allow third-party access in your online banking settings
• If it still fails, your bank may not be supported by Plaid yet

The first sync imports the last 60 days of transactions. Pending transactions may not appear immediately. Sync again to get the latest. If transactions are still missing, check whether they show in your online banking: Plaid can only see what your bank makes available.

Yes. You can export everything as CSV at any time, from inside the app. To delete your account, go to Account, choose "Delete my account", and type your email address to confirm.

Deletion waits 14 days before it happens. Your account keeps working normally during that window, and you can cancel at any point from the banner shown on every page. After that everything is permanently removed: transactions, budgets, categories, tags, bitcoin wallets, and your bank connections at Plaid. Prefer we did it for you? Email privacy@mattraydub.com.