5 Reasons Why I Switched from Mint to a Spreadsheet

And I agree with you that in some cases transactions are hard to track with existing tools when there are very specific scenarios that are simply not common enough to be included in the "one-size-fits-all" services. For me those are cash transactions between friends and them paying back for things through, say, Venmo.

I've found that they use Finicity (https://www.finicity.com/) for API and are stating that only a limited number of engineers have access to the DB (https://www.youneedabudget.com/security/). Still, would love to know more details on the security policies and infrastructure that are kind-of glanced over.