The same lunch is Restaurants at one bank, Entertainment at another and nothing at all at a third. None of them is wrong — they were never trying to agree. What a mapping layer is, and the two things it does that no bank can.
If you convert your whole financial history at today's rate, your history moves every time the market does. Last January's total is different this morning than it was yesterday — and the trend you were relying on is fiction.
Exporting a statement takes four clicks. Turning it into records you can trust takes five decisions, and every tool that gets this wrong gets it wrong in the same five places.
If you freelance or run a small company, part of the balance you are looking at belongs to the tax office and part belongs to work you have not done yet. What remains is a much smaller number, and it is the only one worth making decisions on.
An invoice is a claim, not money. Between issuing it and having the cash there are partial payments, bank charges, exchange differences and the amount you eventually agree to let go — and a paid/unpaid checkbox cannot represent any of them.
