Evidence
Every claim on the comparison page is listed here with the source set used to support or background-check it.
This page inventories the current comparison-page claims and links the official pages, help-center articles, pricing pages, and policy documents used during verification.
Claims about Clarity product behavior are first-party claims. Competitor claims rely on their public materials and are reviewed against those materials as part of the compare-page maintenance process.
This version links the live background sources used during verification. Archived screenshots are not bundled into the repo yet, so the citations page currently focuses on claim inventory plus source links.
Summary
Perplexity Finance is an AI answer engine with a markets dashboard — great for researching a single ticker with cited sources.
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Summary
Clarity is the workspace that aggregates your actual banks, brokerages, exchanges, and on-chain wallets and exposes them through a read-only MCP, so any AI assistant can answer questions about your portfolio rather than the public market in general.
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Choose Clarity if
Investors who want their AI assistant to answer real portfolio, cost-basis, and tax questions grounded in their accounts — not just general market commentary.
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Choose Clarity if
Hybrid investors with both traditional and crypto assets
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Choose Clarity if
Privacy-conscious users who want full data deletion
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Choose Clarity if
Users who need a single net worth view across all accounts
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Choose Clarity if
Crypto holders who need cost basis tracking for taxes
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Choose Perplexity Finance if
Researchers and traders looking up tickers, earnings, and headlines with cited sources alongside a generic charting surface.
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Choose Perplexity Finance if
Researching a single ticker or token with cited live web sources
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Choose Perplexity Finance if
Earnings, filings, and headline summaries with source links
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Choose Perplexity Finance if
Users who want AI-generated market commentary alongside chart views
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Rubric: coverage
Banks and brokerages via Plaid, 125+ live crypto exchanges via CCXT, 40+ chains via Alchemy, DeFi protocol registry, plus NFTs.
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Rubric: coverage
Read-only markets dashboard for tickers and major tokens. No native bank, brokerage, exchange, or on-chain wallet aggregation.
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Rubric: reliability
Queue-based sync with retries across Plaid, CCXT, and Alchemy. First-party workspace independent of any host AI.
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Rubric: reliability
Generally available consumer answer engine, but reliability for portfolio questions is bounded by manual queries — there is no continuous sync of your accounts.
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Rubric: pricingPredictability
Flat Pro and Wealth tiers with explicit AI message budgets; no AUM-based fees.
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Rubric: pricingPredictability
Free, Pro, and Enterprise tiers are published with predictable per-seat pricing; API usage is metered separately.
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Rubric: dataFreshness
Scheduled syncs with on-demand refresh, near real-time crypto market pricing, and live on-chain reads through Alchemy.
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Rubric: dataFreshness
Markets dashboard surfaces live quotes and headlines, but the AI has no view of your balances or transactions.
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Rubric: historicalDepth
Imports up to 24 months of bank and brokerage history where providers allow, and indexes full wallet history from chain data.
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Rubric: historicalDepth
Historical context comes from public market data and news; there is no ledger of your account history.
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Rubric: exportReporting
Generates Form 8949, Schedule D, Schedule B/C/SE, Form 6781, Form 1040, CA-540, portfolio performance, transaction exports, and bill calendars from real ledger data.
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Rubric: exportReporting
No first-party tax forms, no cost-basis engine, no 1099-DA reconciliation. Perplexity can describe these forms; it cannot generate them.
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Rubric: privacySecurity
Read-only MCP surface — no money movement capability. Encryption at rest, no advertising business model today, no sale of personal information, account deletion initiated on request.
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Rubric: privacySecurity
Standard consumer-AI data terms; no native account-level controls because there are no native accounts being aggregated.
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Rubric: developerExperience
MCP server at /api/mcp (JSON-RPC 2.0, MCP protocol 2025-06-18) with OAuth scoping, per-client metering, per-tool audit logging.
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Rubric: developerExperience
Sonar API exposes Perplexity's web-grounded answer engine to developers. No native finance-data tools — you bring the data.
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Deep dive: coverage
Clarity's data graph is your actual financial life — banks, brokerages, 125+ crypto exchanges, 40+ chains, DeFi protocols, NFTs — reduced to a single ledger an AI can query.
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Deep dive: coverage
Perplexity Finance is a markets surface: quotes, charts, earnings, and AI commentary about tickers and tokens in general. It does not aggregate your accounts.
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Deep dive: coverage
Perplexity is a research engine for the market. Clarity is the workspace for your money. Different jobs.
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Deep dive: exportReporting
Clarity's tax engine generates Form 8949, Schedule D, Schedule B/C/SE, Form 6781, Form 1040, and CA-540 PDFs from your ledger. Cost basis with FIFO, HIFO, and Spec ID, wash-sale rules, lot disposal, transfer detection across exchanges and chains, and 1099-DA broker reconciliation all sit in the same data layer the MCP exposes.
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Deep dive: exportReporting
Perplexity can explain Form 8949 and the wash-sale rule with citations. It cannot reconcile a 1099-DA against your on-chain transfers or generate a signable form, because it has no ledger of yours.
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Deep dive: exportReporting
For tax-relevant questions, the answer depends on which ledger the AI is grounded against. Clarity provides one; Perplexity does not.
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Deep dive: dataFreshness
Clarity refreshes account data continuously and exposes near real-time crypto pricing plus live on-chain reads. An AI connected through the MCP gets answers about your portfolio as of moments ago.
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Deep dive: dataFreshness
Perplexity's markets dashboard surfaces fresh quotes and news for tickers and tokens in general. It has no view of your balances, your cost basis, or your transactions.
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Deep dive: dataFreshness
Freshness only matters once the AI is looking at your data — Perplexity is fresh about the market; Clarity is fresh about your portfolio.
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Deep dive: developerExperience
Clarity's MCP at /api/mcp speaks JSON-RPC 2.0 with OAuth via better-auth, per-OAuth-client metering, and per-tool audit logging. Any MCP-compatible client — Claude, ChatGPT, or Perplexity once a connector flow exists — can call those tools.
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Deep dive: developerExperience
Perplexity ships a Sonar API for developers who want web-grounded answers in their own products. Useful, but unrelated to aggregating an end user's financial accounts.
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Deep dive: developerExperience
Perplexity is the answer engine; Clarity is the account-grounded data source the answer engine should be calling.
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FAQ: Does Perplexity Finance replace a portfolio tracker?
No — it is an answer engine layered over public markets and news. You can search a ticker, read cited research, and watch a chart, but Perplexity does not aggregate your accounts or compute your cost basis.
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FAQ: Can I use Perplexity and Clarity together?
Yes, and that is the recommended setup. Use Perplexity for cited research on markets, companies, and tokens; use Clarity through its MCP to ground your assistant's answers in your actual portfolio.
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FAQ: What about crypto?
Perplexity surfaces public price and news for major tokens. Clarity aggregates 125+ crypto exchanges, 40+ chains, on-chain wallets, and DeFi positions, then runs cost basis and 1099-DA reconciliation on top of that ledger.
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FAQ: Is Clarity's MCP available in Perplexity?
Clarity's MCP server is standards-compliant and works with any MCP-compatible client. Connector flows are evolving across consumer AI platforms — check the current connector directory for each.
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Trust and legal notes
Perplexity's finance surface is a markets dashboard for tickers and tokens with AI commentary and cited sources. It does not offer bank, brokerage, exchange, or on-chain wallet aggregation for end users.
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