Activity

Categories say Dining. Your money says DoorDash.

Group every charge by merchant — across every card, bank, and exchange. The eight DoorDash variants collapse into one line. Whole Foods and Erewhon stop hiding inside “Groceries.” Patterns finally have names.

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12,000+ institutions
Read-only connections
AES-256 + TLS 1.2+

Every vendor, normalized across every account.

DD *DOORDASH 04XQ becomes DoorDash. Once. Everywhere. Past and future.

12,000+
US & Canadian institutionsvia Plaid: 130+
crypto exchangesdirect API: 40+
blockchainswallet sync: 100,000+
tickers & marketslive pricing

The category was always too broad

Dining is a bucket. The story is which restaurants. Categories don't tell that story — merchants do.

Categories hide the real leakage

“Dining” looks reasonable until you see that 60% of it is one delivery app. “Software” looks fine until you find $480 in tiny SaaS no one renewed.

Bank descriptors are unreadable

AMZN MKTPL US*A1, AMZN.COM/PRIME, AMAZON RETAIL — same merchant, three labels, no aggregate. Categories don't fix this. Merchant fingerprinting does.

Cards split the picture

Three cards, two banks, one merchant. The single-card view shows a third of the truth. The merchant view shows the whole vendor — across every account that paid them.

One merchant, every transaction, every account

What the merchant view actually does — and where category-only tools fall short.

Fingerprinted merchant grouping

Raw descriptors collapse to canonical merchants. Rename once, applies retroactively. Year-over-year deltas surface price increases hiding inside categories.

Override rules that learn

Send “his coffee” to a personal-discretionary bucket while keeping shared “Dining” for joint meals. Per-merchant or per-transaction. The system applies the rule going forward without making you re-categorize.

Per-merchant budgets and caps

Cap DoorDash at $80/mo. Soft-target Whole Foods at $400. Get flagged before month-end if pacing implies overage. Or just track and decide later.

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Side-by-side

Most apps stop at categories. Clarity goes through merchants — across every card.

Clarity vs Copilot, Monarch, and Rocket Money for merchant-level spending
Capability	Copilot	Monarch	Rocket Money
Merchant fingerprinting across raw descriptors	Partial	Partial	Partial
Rename merchant — applies retroactively			Partial
Per-merchant budget caps	Partial	Partial	Partial
Year-over-year delta per merchant	Partial	Partial
Covers crypto / on-chain counterparties
Internal transfers excluded from totals			Partial

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Frequently Asked Questions

No. Clarity has no “send money” or “place trade” tool — not anywhere in the product. That’s the architecture, not a setting. Plaid returns a read-only access token; crypto exchange connections use read-only API keys you create yourself. Even in a worst case, the most it could do is read. Data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Security overview.

Merchant fingerprinting normalizes the raw descriptors — DD *DOORDASH 04XQ, DOORDASH*DASHPASS, DOORDASH 1234 — into one merchant. The system learns from your overrides so the next batch of new descriptors gets grouped correctly.

Yes. Rename a merchant once and every past and future transaction updates. Move a merchant to a different category and the rule sticks. You can also split a merchant per-transaction when needed.

On-chain activity is tracked by counterparty contract and protocol — Uniswap, Aave, Lido — rather than “merchant.” Exchange withdrawals to known protocols are labeled automatically. Wallet-to-wallet transfers are excluded from spend.

Yes. Each merchant page shows monthly totals, year-over-year delta, and average per visit. Useful for catching subscription price increases hiding inside categories like “Software.”

Yes. Set a target per merchant — e.g. “DoorDash ≤ $80/mo” — and the budget pacing flags overspend before month-end. Or set a hard cap and get notified the day you hit it.

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