Files in, files out. Never your credentials.
Funance never asks for a bank login, because a bank feed needs a server holding your credentials — and there is no server. Everything comes in as a file you already have, and leaves as a file you own.
Receipts — a photo or a screenshot. Bank and card statements as CSV. OFX and QFX statement downloads, imported once and only once, even if you drop the same file twice.
Manual entry, the plain way: type what happened — paid the electrician 340 from the rental account — and the line is posted to the right entity and category, double-entry.
Your ledger, your reports, your data — exportable at any time, always yours.
The ledger-line form for hand entry — date, entity, account, amount, memo — beside the typed way. And THE OPEN LEDGER: a published file format any partner app can write and Funance will read, so Stripe, Shopify, Square or your accountant’s tools plug in by file, never by password. Said plainly: declared, not built. Building for Funance? Write the studio.