Quiltt delivers normalized transactions, enriched merchant data, and real-time balance updates from every major aggregator, through one API. The data your features run on actually makes sense to users.
01
Raw bank data shows "SQ*MERCHANT 84302 SF CA." Enriched data shows "Blue Bottle Coffee, Coffee Shops, $5.75, recurring weekly." Quiltt's enrichment partners add categories, merchant names, and recurring-charge detection to transactions so your budgeting, insights, and spending features are built on data users recognize. Historical transactions backfill within roughly 24 hours of connection.
02
A typical PFM user has accounts at two or three banks and possibly a credit union. They expect all of them to connect. Quiltt's smart routing draws on the breadth of Plaid, the data depth of MX, the bank-direct connections of Akoya, and more, picking the best source per institution. When a coverage gap shows up, you add an aggregator from the Dashboard.
03
Webhooks fire when new transactions arrive or balances change. Real-Time Balances returns a current number when you need one. A user who opens your app at 9pm sees what they spent at 8:45, without you running a polling loop to get it. Webhooks fire when new transactions arrive or balances change. Real-Time Balances returns a current number on request. Your app stays live without a polling loop. And you don't have to build one.
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