Self-hosted doesn't have to mean free. I think an option to enable syncing with your own Plaid key (that you manage and pay for yourself) would be great.

i would happily pay. i already pay for monarch.

I would just add the option to add your own Plaid key or do manual imports.

No, the ability to import is table stakes for me. I'm not manually entering transactions or trades. Simply providing an API key for me and vibe coding a client to pull is all that's needed.