Bill DNA
Matches a charge even when the merchant descriptor, payment account, or amount changes.
WHOLE-LIFE COVERAGE
Connect once. Understand almost everything.
Payment accounts are the universal starting point. Direct bill data becomes a precision layer—not another wall of logins.
START HERE
Checking and savings
Mortgage, rent, insurance, utilities, loans, and card payoffs.
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ADD EVERY CARD
Credit cards
Subscriptions, memberships, phone, insurance, and services.
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THE DIFFERENCE
Bill DNA
One identity for each obligation across cards, accounts, statements, and renewals.
What the payment rail can see
Direct connections are requested only when they add useful detail
SubscriptionsStrongFROM BANKS + CARDSMerchant, amount, cadence, duplicatesOPTIONAL PRECISION LAYERReceipt only for plan details
Utilities & phoneStrongFROM BANKS + CARDSMonthly amount, drift, late or duplicate chargesOPTIONAL PRECISION LAYERStatement for usage and rate plan
InsuranceStrongFROM BANKS + CARDSPremium, cadence, renewal increaseOPTIONAL PRECISION LAYERPolicy for limits, deductible, renewal date
Mortgage & rentStrongFROM BANKS + CARDSPayment, cadence, escrow changeOPTIONAL PRECISION LAYERLoan/statement for balance, rate, term
Credit cards & loansStrongFROM BANKS + CARDSPayment and connected-account activityOPTIONAL PRECISION LAYERLiabilities data for APR, due date, balance
Taxes, HOA & annual billsPartialFROM BANKS + CARDSDetected after a payment appearsOPTIONAL PRECISION LAYERDocument or reminder fills long gaps
Action Clock
Turns renewals, trial endings, and price moves into the right action at the right time.
Proof Pack
Collects the before-and-after evidence needed to cancel, dispute, negotiate, or switch.
DEMO CONCEPT · No product can infer cash payments, unseen accounts, opaque payment processors, or policy terms that never appear in transaction data. Users stay in control of optional data sources.