# Clarity — Product

Stop piecing together your financial life from six different apps. Clarity gives you one place to see net worth, spending, investments, taxes, and crypto activity together.

## Core Capabilities

1. **One source of truth** — net worth, spending, investments, crypto, and taxes in a single dashboard
2. **Understand what changed** — AI-powered analysis of portfolio shifts, spending anomalies, and allocation drift
3. **Tax-ready at all times** — cost basis tracking (FIFO), Form 8949 export, wash sale detection
4. **Connect the messy parts** — DeFi positions, cross-chain bridges, multi-currency, PE/VC fund tracking
5. **Ask better questions** — Ask AI answers portfolio questions with data-backed responses
6. **Keep control** — read-only connections, no transfer permissions, no data sales

## Integration Coverage

- **12,000+** banks and brokerages via Plaid
- **100+** crypto exchanges via direct API
- **50+** blockchains via on-chain indexing
- Real-time market data
- Manual entry for real estate, vehicles, and other assets

## AI Features

- ML spending forecasts
- Net worth trajectory modeling
- Semantic transaction search
- Anomaly detection across all accounts
- Recurring charge predictions
- Scenario planning ("what if I sell X?")
- Transaction narratives (natural language summaries)
- Impermanent loss tracking (DeFi)
- Protocol health monitoring

## Weekly Review Workflow

1. Connect accounts (2 minutes)
2. Check net worth, returns, cost basis, allocation
3. Ask AI about changes and exposures
4. Export tax-ready reports when needed

## Trust Model

- **Read-only** — Clarity never has permission to move money
- **Bank-level encryption** — TLS 1.3, application-layer authenticated encryption for credentials
- **No ads, no data sales** — revenue comes from subscriptions only
- **Data deleted on cancellation** — no retention after account closure

## Best For

- People with money across multiple accounts and asset types
- Those who care about net worth + spending together
- Anyone who needs tax exports, forecasting, or allocation visibility
- Users who want analysis without giving write access

## Where Clarity Fits

| If you use... | Clarity adds... |
|---|---|
| Budgeting apps (YNAB, EveryDollar) | Investments, crypto, tax exports, AI |
| Broker dashboards | Spending, multi-broker aggregation, crypto |
| Wallet trackers | Traditional finance, tax reporting, budgets |
| Spreadsheets | Automation, real-time sync, AI analysis |

## Links

- [Product page](https://useclarity.app/product)
- [Interactive demo](https://useclarity.app/product)
- [Pricing](https://useclarity.app/pricing)
- [Sign up free](https://useclarity.app/auth/register)