Financial infrastructure

Route transactions to any ledger.
Decouple your financial data.

Your banking, credit cards, and accounting are disconnected. Manifold reads your financial data and routes each transaction to the right ledger—automatically.

manifold
$ manifold route --preview
├─ UBER *TRIP $47.50→ Client: Acme Corp
├─ WHOLE FOODS $156.23→ Personal
├─ AWS *SERVICES $892.00→ Startup: TechCo
└─ DELTA AIR $634.00→ Review needed
4 transactions routed. 1 needs review.

The problem with financial data

Banking, credit cards, and accounting software don't talk to each other. You're stuck manually categorizing transactions, chasing receipts, and reconciling across systems.

Siloed data

Your bank doesn't know about your accounting categories. Your accounting software doesn't know your business context.

Manual routing

Every transaction needs to be manually assigned. Did this expense go to the client project or personal? Which company card was this?

Multiple entities

One credit card, three companies. Employee expenses across departments. Consultant invoices to different clients. The complexity compounds.

Manifold is the router

Connect your banks and cards. Define your ledgers. Set your routing rules. Manifold handles the rest—automatically tagging and routing every transaction.

1

Connect sources

Link your bank accounts and credit cards. We securely sync your transactions in real-time.

2

Define ledgers

Create virtual ledgers for each company, client, project, or category. Group them however makes sense for you.

3

Set routing rules

Describe your rules in plain language: "All Vegas transactions in January go to Client X." Our AI handles the rest.

4

Export anywhere

Share ledgers via API. Let your clients pull their expenses directly. Export to any accounting system.

ROUTING CONFIGURATION
Rule #1
"Uber rides during work hours → Acme Corp"
Active • 127 matches
Rule #2
"AWS charges → TechCo Infrastructure"
Active • 48 matches
Rule #3
"Flights to NYC → Client: BigBank"
Active • 12 matches

How it works

Manifold learns from your routing decisions. The more you use it, the smarter it gets—eventually handling everything automatically.

INGEST

Transactions flow in

We connect to your banks and credit cards, pulling transactions as they happen. Upload statements when connections break.

sync scotiabank --account=checking
✓ 47 new transactions
sync amex --card=platinum
✓ 23 new transactions
# AI analyzing transaction
merchant: UBER *TRIP
amount: $47.50
location: San Francisco, CA
time: 09:15 AM (workday)
→ Match: "Uber during work hours"
→ Route: Acme Corp (confidence: 94%)
CLASSIFY

AI routes each transaction

Our AI evaluates each transaction against your rules and past decisions. High confidence? Routed automatically. Uncertain? Flagged for review.

LEARN

It learns from corrections

Move a transaction to a different ledger? That's training data. Over time, Manifold suggests rules based on patterns it detects.

! Pattern detected
You've moved 5 UBER transactions to "Personal"
All were on weekends after 8pm
Suggested rule:
"Uber rides on weekends after 8pm → Personal"
GET /api/v1/ledgers/acme-corp/entries
Authorization: Bearer mfld_k8x9...
200 OK
{ "entries": [...], "total": 127 }
EXPORT

Consume via API

Your clients can pull their ledger directly. Your accountant can sync to their system. Export to CSV, QBO, or build your own integration.

Ready to route your transactions?

Connect your accounts and start routing in minutes. No credit card required.