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Customers

Built for people with complicated financial lives

We're an independent product without ads or data sales. Here's who uses Clarity, what they connect, and the workflows they replace.

Who uses Clarity

Investors managing their own portfolios across multiple brokerages, retirement accounts, and crypto exchanges. They've outgrown one-account tools and need real cost basis, true allocation, and tax-ready exports.

Jobs to do

  • See real net worth and allocation across every account in one view
  • Track true cost basis — FIFO, lot-level — across brokerages and exchanges
  • Export Form 8949 and Schedule D data at tax time without rebuilding spreadsheets
  • Catch concentration risk, fee drag, and idle cash across the full portfolio

What they typically connect

  • Fidelity, Vanguard, Schwab, E*TRADE, Robinhood
  • 401(k) and IRA plans across 12,000+ custodians
  • Coinbase, Kraken, Binance.US, and 130+ exchanges
  • On-chain wallets across 40+ blockchains

Couples, families, and small operating units with checking accounts at multiple banks, overlapping credit cards, shared subscriptions, and at least one person with their own business or side income. The accounting is real, not a hobby.

Jobs to do

  • Track spending across every checking account and credit card without manual entry
  • Catch recurring charges and subscriptions before renewal
  • See cash flow across joint and personal accounts in one view
  • Categorize transactions in ways that hold across banks, not per-account

What they typically connect

  • Chase, Bank of America, Wells Fargo, Capital One, and 12,000+ institutions
  • Credit cards across every major issuer
  • Shared accounts and joint cards
  • Bill-pay providers and utility accounts

People who hold meaningful crypto across exchanges, hardware wallets, and DeFi positions — and also have banks, brokerages, and retirement accounts. They need a single net-worth picture that doesn't break when the on-chain side gets complicated.

Jobs to do

  • Track holdings across CEXes, hot wallets, hardware wallets, and DeFi protocols
  • Maintain real cost basis for tax reporting — including wash-trade nuance and bridges
  • See unrealized P&L by lot, by venue, and across the full position
  • Reconcile 1099-DA broker forms against on-chain reality

What they typically connect

  • 130+ exchanges via API
  • 40+ blockchains by wallet address
  • DeFi positions: liquidity pools, lending, staking, yield
  • Traditional banks and brokerages alongside crypto

Real-world setups

Composite scenarios drawn from common Clarity setups. Individual users vary; these are typical shapes of what people connect and what they use Clarity to do.

Two-income household, 14 accounts, 6 institutions

A dual-earner household replaces a Mint workflow that broke in 2024. Two checking accounts, four credit cards, two 401(k)s at separate custodians, two IRAs, a taxable brokerage, a high-yield savings, and a joint account at a credit union. They use Clarity to see joint cash flow, catch recurring charges before renewal, and watch retirement contributions hit their annual target.

Self-directed investor with crypto

An investor holds positions at Fidelity (taxable + IRA), Schwab (401(k) rollover), and Vanguard (Roth), with crypto split across Coinbase, Kraken, a Ledger, and three DeFi positions. They use Clarity to maintain real cost basis across every venue, surface concentration risk against the full portfolio, and pull Form 8949 data at tax time without rebuilding spreadsheets.

Freelancer with business income

A freelance designer routes invoices through a business checking account, expenses business spend on a dedicated card, and pulls draws into a personal checking. They use Clarity to see personal vs business cash flow separately, surface deductible categories at year-end, and project quarterly tax obligations against actual income — not last year's W-2.

Share your story

We're collecting customer stories for future case studies. If Clarity has changed how you manage money — for better or for worse — we want to hear from you. Email legal@raintree.technology or use /contact. Names and details are kept private unless you explicitly approve them for publication.