List of the Best Intuit FormFly Alternatives in 2025
Explore the best alternatives to Intuit FormFly available in 2025. Compare user ratings, reviews, pricing, and features of these alternatives. Top Business Software highlights the best options in the market that provide products comparable to Intuit FormFly. Browse through the alternatives listed below to find the perfect fit for your requirements.
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OANDA
OANDA
OANDA is a prominent global financial services firm that focuses on currency data and foreign exchange trading. Established in 1996, the company has evolved into a favored platform for both individual and institutional traders alike. It provides a range of tools and resources for trading forex, commodities, and indices. With its transparent pricing model, intuitive interface, and cutting-edge technology, OANDA caters to traders of all experience levels, from beginners to seasoned professionals. Additionally, OANDA offers APIs and a wealth of historical currency rate data, which are utilized by financial institutions and businesses around the globe for various applications, such as payment processing, auditing, and financial analysis. The firm's operations span numerous countries, and it is regulated by leading financial authorities, which guarantees both security and adherence to compliance standards. Furthermore, OANDA's commitment to innovative solutions helps to foster greater accessibility in the financial trading landscape. -
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Moneyhub
Moneyhub
Master your finances effortlessly with intelligent management tools.By downloading Moneyhub, you will gain a free six-month premium subscription, which empowers you to manage your finances effectively through our user-friendly app. The primary goal of Moneyhub is to streamline your financial overview, ensuring you have a unified perspective on your funds, so you remain informed about your financial standing at all times. Equipped with various intelligent money management tools, you can work towards your financial goals with greater efficiency and clarity. The app automatically organizes your transactions, while the Spending Analysis feature provides an insightful breakdown of your monthly expenditures. Furthermore, the Regular Payments function allows you to monitor upcoming bills and any recurring financial commitments that arise each month. You’ll also benefit from a customized dashboard designed to enhance your financial potential, delivering insights into your financial well-being along with tailored suggestions for improvement. In addition, with secure payment functionalities, transferring funds between linked accounts and making secure payments to any UK bank account using the sort code and account number becomes a breeze. This thorough approach guarantees that you maintain control over your financial journey, enabling you to make informed decisions every step of the way. Overall, Moneyhub equips you with the tools you need to navigate your finances confidently and strategically. -
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Finicity
Mastercard
Transform financial integration with seamless, reliable data access.Finicity's open banking platform simplifies the integration of your customers' financial data into your application or service. This innovative platform is utilized globally by leading organizations aiming to enhance financial experiences for their clientele. The quality of your experience hinges on the integrity of the data, which has proven reliable in the most challenging markets. With straightforward coding to endpoints, you can test data efficiently and connect seamlessly to Finicity’s open banking infrastructure, ensuring robust API coverage for banks, credit unions, and payroll providers. Our comprehensive suite of APIs makes it convenient to access the essential data required to drive your products forward, offering a streamlined solution for financial integration. -
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Finnworlds
Finnworlds
Empowering financial insights through seamless, user-friendly data integration.Finnworlds operates as a vendor dedicated to delivering both real-time and historical financial data, with a particular emphasis on developing user-friendly APIs that seamlessly integrate with numerous programming languages such as JSON, Python, Scala, PHP, Java, C#, Rust, Strest, and Ruby, while also providing sophisticated downloadable databases. Their cutting-edge technological solutions are pivotal in supplying detailed company and financial information, targeting both domestic (U.S.) and global markets. Finnworlds features a wide-ranging array of data products that include basic company information, detailed financial documents like balance sheets, cash flow and income statements, SEC filings, over 70 financial ratios, more than 100 stock technical indicators, analyst ratings, ETFs, mutual funds, and stock identifiers, alongside macroeconomic trends and stock search data. The clientele for these data services is varied, consisting of fintech startups, educational institutions, independent developers, quantitative investment firms, financial institutions, research organizations, as well as both experienced traders and those new to investing, including consulting firms, among others. This extensive range of users underscores the versatility and relevance of Finnworlds' products within the financial landscape. By catering to such a broad spectrum of clients, Finnworlds effectively demonstrates the significance of their offerings across different facets of the financial industry. -
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Green Dot
Green Dot
Revolutionizing banking with technology-driven solutions for everyone.Green Dot operates as a bank holding company focused on leveraging financial technology to provide modern banking and money transfer services for a broad audience. Through our cutting-edge technology, we enable faster and more efficient electronic transactions and financial management, allowing users to easily spend, send, manage, and save their money with convenience. Our Banking as a Service (BaaS) platform empowers numerous leading consumer and technology firms both in the U.S. and internationally to develop and deploy customized banking and payment solutions tailored to their needs. Founded in 1999 and headquartered in Pasadena, CA, Green Dot has directly assisted over 33 million customers, alongside many more through our banking partners, while primarily operating as a "branchless bank." This transformation not only highlights our dedication to improving financial accessibility but also underscores our role in driving innovation within the banking industry. Our ongoing efforts aim to redefine the banking experience for individuals and businesses alike. -
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Decentro
Decentro
Revolutionize banking integration for seamless growth and innovation.Numerous companies attempting to engage with conventional banking systems face a myriad of challenges throughout their product development phases. Often, the APIs and documentation provided are not only outdated but also incomplete, riddled with bugs and security vulnerabilities. Our all-encompassing API banking platform empowers you to select the specific modules you require, test them in a sandbox environment, and roll out your product with minimal coding in just a few weeks! Additionally, we take care of all essential fixes, updates, and iterations to guarantee that your operations proceed without disruption. We also enable your consumers and partners to easily authenticate and register using multiple methods. By harnessing our banking ecosystem APIs, you can support various functionalities like account aggregation, linking, and creation. Safeguard your platform against potential fraud by employing our sanction lists and automated fraud detection systems. With a single integration, you can create your own solutions for loan assessment, processing, and recovery, allowing your business to flourish in a competitive market. By streamlining these intricate processes, we free companies to concentrate on innovation instead of the complexities associated with banking integration, ultimately driving growth and success. This approach not only enhances operational efficiency but also fosters a more agile business model. -
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DataBlend
DataBlend
Empowering finance teams with seamless, code-free data integration.DataBlend functions as a dedicated Integration Platform as a Service (iPaaS) specifically designed for CFOs, controllers, and their teams, offering a no-code, low-code workflow builder. This platform empowers finance and accounting professionals to effortlessly develop secure and smooth data integrations. Organizations leverage DataBlend to collect and consolidate data from a multitude of sources, implement workflows—including field mapping, pivot tables, and extensive data transformations through nearly unlimited custom scripting capabilities—and schedule events, ensuring users have continual access to up-to-date information. With DataBlend’s intuitive interface, managing all application integrations is simplified, eliminating the need to rely on IT staff for the oversight of numerous point-to-point connections. Consequently, teams can significantly boost their data management efficiency and make well-informed decisions easily, free from the constraints of technical difficulties. Additionally, this streamlined approach allows finance teams to focus more on strategic tasks rather than getting bogged down in technical implementation details. -
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Spinwheel
Spinwheel
Transform debt management with seamless integration and enhanced interactions.Revolutionize the way your business and clients perceive, comprehend, and manage debt by utilizing our top-tier debt APIs or easy-to-integrate low-code modules. By implementing these solutions, you can enhance your customer interactions and streamline debt management processes. -
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EOD Historical Data
EOD Historical Data
Your trusted source for comprehensive global financial data solutions.EOD Historical Data is recognized as a leading financial data service provider based in Lyon, France. We offer a broad spectrum of APIs that encompass End-of-Day Historical Stock Market Data, Real-Time Data via WebSockets, and Fundamental Data that covers Stocks, ETFs, Mutual Funds, and Indices, along with other diverse data feeds. Our platform ensures comprehensive global coverage by providing insights from over 70 stock exchanges, allowing users to access reliable, accurate, and developer-friendly data solutions. With an extensive archive of more than thirty years of data available, we employ multiple data providers to confirm and improve the precision of our services. Our user-friendly, one-click API is designed to meet all your financial data needs effortlessly. To facilitate quick setup, we provide sample codes in various programming languages like Excel/VBA, Google Sheets, Python, PHP, JAVA, C#, R, Matlab, and more, ensuring a smooth integration process for developers. In addition, we are dedicated to ongoing enhancements and innovations in our data services to adapt to the changing requirements of our clients while fostering a supportive user environment. This commitment to excellence positions us as a trusted partner in the financial data landscape. -
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TaxRight
ComplyRight
Streamline tax filing with intuitive software and comprehensive support.Explore the leading small business software designed specifically for the efficient printing and submission of W-2 and 1099 forms. Each all-inclusive package includes software, physical forms, envelopes, and five free e-filings, ensuring a hassle-free experience. The intuitive software displays the official IRS forms right on your screen, making the process straightforward. Moreover, ComplyRight offers a wide array of tax reporting forms tailored to various business requirements. For companies that provide payments beyond standard wages, such as miscellaneous income to non-employees, the necessity of 1099-NEC forms cannot be understated. These forms are printed with heat-resistant ink, making them suitable for use with most inkjet and laser printers. In addition, a useful tip sheet is provided, detailing minimum requirements, potential penalties, frequent errors, and best practices for accurate filing. This comprehensive solution equips businesses to manage reports for miscellaneous payments to independent contractors, consultants, attorneys, vendors, healthcare professionals, trainers, guest speakers, and freelancers efficiently. By utilizing this software, small businesses can confidently navigate the complexities of tax filings, ensuring compliance and accuracy for all transactions. With such resources at their disposal, companies can focus more on their growth and less on administrative burdens. -
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AATRIX eFile
Aatrix Software
Effortlessly streamline your W2 and 1099 processing today!Aatrix stands out as the leading provider for W2 and 1099 processing in today's market, boasting a user base of over 350,000 businesses. Their comprehensive solution allows users to efficiently print or eFile W2s and 1099s for both employees and other recipients, meeting the requirements of Federal, State, and Local agencies. With the Aatrix W2 & 1099 Complete Solution, companies benefit from the convenience of having their forms printed and dispatched the next business day, alongside timely Federal and State submissions, all at an attractive price point. Employees gain immediate online access to their W2s and 1099s, making it simple for them to obtain their necessary documents. Furthermore, Aatrix's service includes provisions for making corrections, issuing W2Cs, and reprints, ensuring a robust offering. Its advanced error-checking mechanism addresses 99.9% of potential filing errors, greatly reducing the chances of incurring fines or penalties. It’s no surprise that an impressive 97% of users recommend the Aatrix W2 Solution to their peers. Moreover, this cutting-edge service maintains all the benefits of the Aatrix W2 & 1099 Solution while providing compatibility with any payroll or accounts payable software by allowing data imports via CSV or tab-delimited files, which enhances its usability for businesses regardless of their size. This adaptability further solidifies Aatrix's position as a go-to solution for organizations looking to streamline their tax processing. -
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Pinwheel
Pinwheel
Streamline payroll connectivity with real-time insights and automation.Pinwheel stands out as the leading API provider for payroll connectivity, earning the trust of major financial institutions through its secure capabilities for updating direct deposit information and retrieving income and employment data. The platform offers an array of products designed to equip innovators, regardless of their size, with the tools necessary to leverage payroll account connectivity effectively. Traditionally, switching direct deposits has been a cumbersome task involving paperwork and coordination with HR departments, but Pinwheel simplifies this with its seamless digital drop-in solution. Users can monitor real-time updates on direct deposit allocations for their clients and receive alerts whenever changes occur. This real-time data not only enhances customer insights but also facilitates the creation of more engaging user experiences. Additionally, by tapping into payroll system information, businesses can automate processes such as income and employment verification, refine underwriting models, and enhance operational efficiency. Moreover, customers have the option to directly pay off loans from their paychecks, which can help lower loss rates and improve overall serviceability. With Pinwheel, financial institutions can streamline their operations while delivering exceptional service to their clients. -
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1099-Etc
Advanced Micro Solutions
Simplify year-end filings with efficient, error-free reporting solutions!Filing year-end documents has become remarkably easy! The W-2/1099 Forms Filer quickly produces W-2s, various types of 1099s, and a range of other critical documents needed for year-end payroll tasks. For tax years starting in 2020, this software additionally accommodates the 1099-NEC form. Moreover, the W-2/1099 Forms Filer is essential for the efficient use of other modules. Advanced Micro Solutions also provides the Affordable Care Act Filer for 1099-etc, which simplifies the ACA reporting process and helps you conserve both time and money. This ACA Filer is built to assist in adhering to Affordable Care Act regulations, automatically filling out Form 1095-B, Form 1095-C, and their related 1094 transmittal forms for your ease, and it allows printing either on pre-printed forms or blank paper (the Software Generated Forms module is necessary) for mailing. Additionally, the package includes the capability for electronic submission of ACA Form 1095-B and Form 1095-C, making the filing process as smooth as possible, thereby enhancing your overall efficiency. This streamlined approach not only minimizes errors but also keeps you compliant with ever-evolving regulations. -
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Synth
Synth
Streamline financial insights with real-time data integration tools.Access both present and past currency exchange rates along with extensive details on global stock exchanges. Furthermore, take advantage of a user-friendly logo endpoint for various payment methods. The Synth API is crafted to simplify the integration of its wide array of fintech data tools, ensuring a straightforward user experience. You can send HTTP requests using any programming language to interact with the API effortlessly. Synth provides state-of-the-art fintech APIs designed for enterprises that are tired of traditional legacy solutions. To ensure security, all production requests must go through your own backend server, which allows for the safe retrieval of your API key from environment variables or a key management service. Convert obscure bank transactions into recognizable merchant data, including logos and addresses. The API also features a comprehensive list of fiat currencies, providing essential details about each one. Real-time currency rates are updated every minute, guaranteeing that you have the most current information readily available. Additionally, Synth maintains a regularly updated directory of all supported stock tickers, making it an indispensable tool for financial analysis and insights. With its robust features, Synth empowers businesses in their quest for accurate and timely financial information. -
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SmartAPI
MeridianLink
Streamline your data access, boost efficiency, and grow.Smart API provides an efficient answer for obtaining the critical credit and verification services that your business needs. The landscape has recently experienced a notable rise in the number of credit resellers and verification service providers. This leads to an important inquiry: how much time are you realistically able to allocate for integrating your system with each of these services? Do you have the capacity to develop multiple APIs—three, five, or even ten—to compile the vital data necessary for your business's prosperity? Instead of squandering precious development resources, you can simplify your process by connecting to a single API that grants access to credit and verification information from numerous resellers and service providers. Our platform empowers you to take advantage of customizable response formats, integrate various technologies, and attribute data effectively, all complemented by dedicated support personnel to boost your efficiency and provide a competitive edge. With our service, you can access data from three credit bureaus in mere seconds, all brought together into one detailed report. Furthermore, our API makes it simple to connect with a diverse range of credit resellers and verification services, ensuring your data requests are not only secure but also sent over HTTPS with strong 128-bit SSL encryption for optimal protection. By harnessing these features, you can greatly enhance your operations and concentrate on what truly matters—expanding your business and achieving your goals. Moreover, the time saved allows you to allocate resources to other strategic initiatives, further driving your company's success. -
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Commoditic
Commoditic
Empowering informed decisions with comprehensive commodity pricing APIs.Commoditic offers financial API data that covers both current and historical prices for a variety of significant commodity asset categories. This pricing information encompasses metals, energy resources, and industrial commodities. Users can choose between two delivery methods: a JSON REST API or downloadable databases in Excel and CSV formats. Additionally, the Metal Prices API, Energy Prices API, and Agricultural Commodities API are compatible with various programming languages, including Javascript, JQuery, and VueJS. Regardless of their chosen method for data delivery, users can access commodity pricing data right away. Commoditic caters to a diverse clientele, including fintech companies, financial institutions, traders, academic institutions, and independent developers, helping them enhance and streamline their projects with ease and efficiency. By providing versatile data solutions, Commoditic empowers its users to make informed decisions in the fast-paced commodity market. -
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NIUM
NIUM
Transform your financial solutions with seamless global integration.Nium acts as a catalyst for companies of various sizes aiming to quickly deploy new financial solutions. By gaining instant access to a global network that provides options for payouts, payment acceptance, and card issuance, businesses can improve their customer offerings, streamline cash flow, and develop their own international payment systems. Effortlessly send money worldwide to suppliers, customers, and staff using one of the leading global networks available. Explore our extensive, purpose-built API suite, crafted for simplicity and scalability, enabling integration in as little as four weeks. Customize your international solution with our modular, cloud-based API suite, which allows for the seamless addition of new features and regions as your business grows. Utilizing RESTful design principles, HTTPS authentication, and JSON throughout our API suite ensures a smooth integration experience and a reliable platform. Take the opportunity to delve into the documentation, test our APIs in a sandbox environment, and begin prototyping and developing a tailored solution that aligns with your business requirements. With Nium, you not only bolster your service offerings but also strategically position your organization for sustained growth in an ever-evolving financial landscape. This powerful combination can lead to increased efficiency and customer satisfaction, making it a vital asset for your business. -
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BizAPIs
Infosistema
Streamline your data processes with guaranteed accuracy and speed!Wasting time on manual tasks can lead to high costs and increased chances of mistakes. BizAPIs guarantees precise data delivery straight into your systems, ensuring 100% accuracy! As a Software as a Service (SaaS) platform, BizAPIs swiftly compiles data from various sources through APIs in just seconds. Additionally, it can extract information from images or other document types, including unstructured or handwritten materials such as invoices and contracts, all with guaranteed accuracy and backed by insurance SLAs and a money-back promise! With BizAPIs, you can seamlessly incorporate data into your workflows without the need for manual input or field verification, while also being confident in the integrity and authenticity of the data source. Experience enhanced speed, robust security, and an improved user experience, whether for internal or external use, ensuring that your operations run smoothly and efficiently. -
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Tuna
Tuna
Empower your transactions with secure, efficient payment solutions.Seamlessly connect with Tuna's open-source payment gateway to access a diverse selection of payment processors and global anti-fraud measures. Our use of tokenization guarantees the protection of sensitive customer data. Tuna proudly maintains the PCI Level 1 Service Provider status, which is the highest level of PCI DSS certification available. Conduct A/B testing to continuously refine your payment metrics and effectively evaluate your results. By utilizing tools designed for testing, your payments team will gain deeper insights into your operations, allowing for swift experimentation without the need to shift IT priorities. Notably, Tuna oversees all online transactions for Riachuelo, a prominent Brazilian retail platform, underscoring our ability to manage high-volume payment processing with reliability and efficiency. This collaboration not only highlights Tuna's capabilities but also reinforces our commitment to delivering exceptional payment solutions to our partners. -
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Fidel
Fidel
Empower seamless payments, enhance experiences, ensure customer trust.Introducing a unified API that integrates payment cards with your applications, featuring two cutting-edge products aimed at delivering unmatched customer experiences. Effortlessly connect to customer cards through our secure SDKs while gaining real-time access to transaction details from leading providers such as Visa, Mastercard, and Amex. Eliminate barriers for your customers to craft flexible and personalized interactions. Instantly acquire comprehensive transaction data from customers, utilizing location and merchant analytics to accurately pinpoint when and where purchases are made. Maintain customer privacy with PCI-compliant SDKs that securely tokenize card information, ensuring that businesses can uphold customer trust. By adopting this all-encompassing strategy, businesses can significantly boost customer satisfaction while effectively protecting sensitive information. Ultimately, this solution not only enhances engagement but also fosters lasting relationships between businesses and their customers. -
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Kontomatik
Kontomatik
Elevate your business with tailored banking solutions today!We offer banking solutions designed to elevate your business performance. Across the world, enterprises are transforming their services with Kontomatik's innovative technology. No matter the nature of your organization or financial limitations, Kontomatik provides tailored solutions suited to your needs. Should you be in search of a collaborator to enhance your business using banking data or wish to explore new product concepts with open banking, we are ready to help. Experience the advantages of Kontomatik's features for your organization. Simplify customer onboarding through our intuitive widget, which makes transitioning to digital platforms more efficient. Utilize data sourced from customers' bank accounts to eliminate tedious manual tasks, guaranteeing a streamlined customer journey that increases conversion rates by making processes easier and reducing mistakes. Instantly access reliable, real-time insights into your clients' income patterns, and confirm bank account numbers before initiating any transactions. Improve your decision-making capabilities with more accurate assessments, significantly boosting acceptance rates and empowering your business to prosper in a challenging marketplace. Let us support you in harnessing the full potential of banking data to drive sustained growth and innovation. -
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BANKSapi
BANKSapi Technology GmbH
Empowering seamless financial integration with secure, standardized APIs.BANKSapi represents a forward-thinking platform that harnesses the power of APIs in the realms of Open Banking and Open Finance, operating with a PSD2 license from BaFin in Germany. It delivers a variety of services, including account aggregation (Account Information Service - AIS) for diverse account types like current, payment, savings, building society, custody, and loans, all accessible via a single, cohesive API. The platform goes further by enabling A2A payments (Payment Initiation Services - PIS) and offering sophisticated data analytics extracted from account information to improve the user experience. For enterprises eager for rapid deployment, BANKSapi provides customizable widgets that fuse a friendly user interface with robust API capabilities. As it stands, BANKSapi is primarily dedicated to the markets of Germany and Austria, with ambitions to broaden its reach and enhance its offerings in the foreseeable future. The platform’s commitment to innovation positions it as a key player in the evolving financial landscape. -
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aplonHUB
PaymentComponents Ltd.
Seamless payments integration for a secure financial future.Payments Hub Effortlessly integrate payment functionality into your foundational system. Ride the wave of the fintech revolution with aplonHUB, providing a seamless method to incorporate payment solutions into your primary system. With plug-in applications, your core system becomes fully equipped for payment processing. Streamline financial messaging to facilitate real-time payments. - Establish connections to SWIFT, Service Bureau, or ACH for efficient message transmission. - Implement AML and other essential processes to ensure adherence to compliance standards, making your operations not only efficient but also secure. -
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WealthObjects
WealthObjects
Transforming finance with innovative, efficient digital solutions.We provide state-of-the-art digital wealth management and hybrid advisory software solutions tailored for financial institutions, leveraging our renowned technology to expedite the implementation of digital business models while dramatically lowering expenses and conserving time and resources during development. Our offerings are designed to assist Wealth Managers, Investment firms, Banks, Insurance companies, Brokerages, and other entities in creating modern digital investing and saving solutions, as well as enhancing their current platforms through our automation, innovation, and engaging online user experiences. By utilizing our modular RESTful API-driven delivery model, firms can incorporate their unique designs and experiences into their digital services, enabling them to differentiate themselves from competitors and accelerate their entry into the market. We offer a comprehensive suite of digital solutions that includes D2C Self-Directed Investing, Digital Robo Advice, Hybrid Digital Advice, Digital Retirement Planning, and sophisticated Adviser Software with Portfolio Management Tools. Furthermore, our dedication to innovation guarantees that our partners are consistently equipped with the most recent advancements in financial technology, thus ensuring they remain competitive in an ever-evolving landscape. This commitment not only enhances their service offerings but also positions them at the forefront of the digital transformation in finance. -
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Market Data
Market Data
Comprehensive market data, seamless integration, empower your trading.Obtain both historical and current market data for a wide array of assets including stocks, options, futures, forex, and indices. You can either utilize the Market Data REST API for programmatic access or take advantage of the Google Sheets and Microsoft Excel Add-ons to seamlessly download data into your spreadsheets. Designed specifically for active traders, Market Data stands out as the sole API and data platform that encompasses all essential tools: financial data, backtesting capabilities, technical and fundamental analysis, and a host of additional resources. Begin your journey at no cost, without the need for a credit card. The Google Sheets Add-On empowers you to integrate data queries straight into your formulas, ensuring real-time updates aligned with market fluctuations. With compatibility across various spreadsheet platforms, Market Data also provides CSV downloads that work effortlessly with Excel, Numbers, and Open Office. A straightforward formula enables you to bring in price data spanning over 15 years directly into your spreadsheets, enhancing your analysis and decision-making process. -
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Tradefeeds
Tradefeeds
Unmatched financial data access for informed decision-making.Tradefeeds is a provider of financial software that delivers both real-time and historical data on more than 7,000 publicly traded companies across the United States. Our diverse product range includes a multitude of resources, such as detailed company profiles, SEC filings, comprehensive financial statements, various financial ratios, technical indicators, as well as information on ETF and mutual fund holdings, stock identification, analyst ratings, and macroeconomic trends. Users can efficiently request information from the Tradefeeds Financial Database in various formats, including a JSON REST API or downloadable CSV and Excel files for their convenience. Notably, our intuitive API is compatible with a broad spectrum of programming languages, such as Javascript, JQuery, VueJS, Angular, JAVA, PHP, NodeJS, Python, Go, Ruby, C#, R, Strest, Rust, Swift, and Scala. Regardless of the format selected, data access is both immediate and effortless. Our clients span multiple sectors, including fintech companies, financial institutions, investors, traders, educational organizations, and software developers, which highlights the versatility and broad appeal of our offerings. With such a comprehensive array of services, Tradefeeds is positioned as a go-to solution for all your financial data requirements, ensuring that users can make informed decisions based on reliable and up-to-date information. -
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jaris
jaris
Empower your business with seamless, innovative financial solutions.Jaris streamlines the delivery of private-label embedded financial services crucial for small business clients, all from a unified platform. By incorporating high-value financial solutions, you can greatly boost customer satisfaction and loyalty. Thanks to Jaris’ specially crafted API, essential services like Credit as a Service can be launched in just months instead of taking years. With a full-spectrum approach covering underwriting, financing, and support, Jaris provides a complete financial solution. Establish yourself as a key partner to your clients by delivering intuitive financial services that are essential to their success. Ensure your customers have access to modern and prompt financial services exactly when and where they need them. By adopting embedded financial solutions, you can expand your market share and surpass your competitors. Furthermore, you can offer quick and competitive financing options within your customer application, creating a smooth and innovative experience that keeps clients engaged. This strategy not only fortifies client relationships but also positions your business as a frontrunner in the financial services landscape. Ultimately, embracing these advanced solutions will empower your business to thrive in a rapidly evolving market. -
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SentiLink
SentiLink
Defend your assets with advanced synthetic fraud detection.SentiLink's cutting-edge technology is specifically crafted to combat synthetic fraud, where fake identities are created to mislead financial entities and government agencies. By leveraging our real-time API, we can efficiently identify bogus applicants during the onboarding phase, thereby protecting your financial assets. Our unique, patent-pending soft-clustering approach, paired with our vast industry knowledge, allows us to detect fraudulent applications through the analysis of statistical anomalies. These fraudulent individuals frequently target a variety of lenders, and SentiLink is prepared to uncover suspicious behavioral patterns to protect your organization from possible financial setbacks. In addition, our security protocols are rigorously audited each year and meet EI3PA, SOC-2, and PCI compliance standards. We also implement stringent security measures, including ongoing audits, vulnerability assessments, and penetration testing, to ensure alignment with the highest security standards. With SentiLink, clients can rest assured that their data is protected throughout its entire lifecycle, providing a strong defense against fraud. This unwavering dedication to security not only safeguards your institution but also fosters greater trust between you and your clientele. As the landscape of fraud continues to evolve, SentiLink remains committed to adapting and enhancing its tools to meet emerging challenges head-on. -
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IQFeed
IQFeed
Unmatched speed and reliability for informed trading decisions.IQFeed is well-regarded for delivering a vast array of services to traders at an exceptional price point. Its data is recognized as one of the fastest and most reliable feeds available, easily accessed via integrated tools such as IQWatch Quote, Market Depth, News, Smart Market, or the DTN.IQ client. Moreover, users can choose from a diverse selection of compatible software available on our website or develop their own applications after registering as developers. In addition, DTN IQFeed integrates effortlessly with Microsoft Excel and the free Calc software from OpenOffice through its built-in DDE feature. Users also have the opportunity to utilize our pricing calculator to assess various available options. The platform features over 700 market statistics and breadth indicators, including TICK and TRIN, with most of these updates occurring every second. Additionally, it offers a comprehensive 180 days of tick history, which includes pre-and post-market data, complete with microsecond timestamps when possible from the exchange feed. Historical data is conveniently accessible for numerous exchanges and authorized data sources, ensuring that traders obtain the in-depth insights necessary for making well-informed decisions. The combination of speed, reliability, and extensive historical data makes IQFeed an invaluable resource for traders seeking an edge in the market. -
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Exegy SMDS
Exegy
"Streamlined API delivering actionable market data with efficiency."Exegy’s Software Market Data System (SMDS) features a streamlined API that delivers timely and actionable market data events crucial for trading applications, while also reducing overall ownership costs. This cutting-edge feed handling solution guarantees ultra-low latency and provides normalized access to over 300 trading venues, addressing all primary asset classes on a global scale. As the demand for market data escalates and the financial landscape shifts, Exegy’s SMDS is equipped to tackle these evolving challenges efficiently. The system is offered through a single, high-performance API that is both adaptable and integrated. By standardizing all content according to Exegy’s Market Data Model, it significantly decreases the time clients need to integrate additional markets and manage the intricacies of various venues. Moreover, the system facilitates robust book building for both price and order books, allowing users to construct composite order books that deliver a comprehensive view of liquidity across different venues. This comprehensive methodology not only streamlines data access but also enhances traders' ability to make well-informed decisions in a competitive market environment. Ultimately, Exegy’s SMDS stands out as a vital tool for modern trading strategies. -
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UNUapi
PaymentComponents
Effortlessly connect to banks with our unified API.Provides the key elements necessary for seamless access to a variety of open banking APIs. Effortlessly connect to numerous financial institutions with ease. It supplies the basic tools required to link to different banks without hassle. By standardizing the ever-changing APIs of various banks, it establishes a unified and user-friendly protocol. One single API unlocks a multitude of possibilities while maintaining a uniform user experience. Regular integration of new banks takes place to expand options. We are adaptable enough to realign our focus according to your needs. Moreover, onboarding new banks requires no additional learning from your side. Our API is based on the Berlin Group protocol and comes with pre-configured features such as Consent management, Account balance retrieval, Transaction histories, and Payment Initiations, all while supporting a diverse range of banks and standards. New features are constantly being introduced to improve its functionality. This stateless API can be implemented within your infrastructure, allowing it to work alongside your web and mobile banking systems, customized for your specific use in accordance with your organizational policies. Additionally, we will update your SDK as necessary to maintain its peak performance. This level of flexibility guarantees that your banking solutions stay innovative and adhere to industry regulations, providing you with the assurance that your financial services are always at the forefront of technology. -
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Extend
Extend
Empower your business with secure, customizable virtual card solutions.A simple yet effective solution tailored for your business credit card needs is now available. You can quickly create secure virtual cards specifically designed for employees, projects, and vendors. The Extend App provides an exceptionally user-friendly and secure way to distribute virtual credit cards within your professional network. By utilizing our API, developers gain the tools needed to innovate future products with advanced virtual credit card features. For instance, a well-known online lender has partnered with a resort using Extend APIs to offer guests additional payment options, enabling them to access flexible term loans for various upgrades and improved experiences instantly. Use our APIs to craft a wide array of offerings in payment, lending, and more. One innovative insurtech has implemented Extend APIs to enhance its payment processes, effectively addressing cash flow issues for healthcare providers and benefiting from automated reconciliation and credit card rewards. As businesses strive to innovate and evolve, the possibilities for these APIs to transform industries are truly boundless, leading to new opportunities that can reshape the financial landscape. -
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upSWOT
upSWOT
Transforming financial insights into personalized growth opportunities for businesses.Rapidly understand a company’s difficulties, needs, and overall financial situation to significantly influence their future trajectory. Utilize vital metrics from leading financial platforms with tools that monitor trends and evaluate the performance of business clients instantly. The automated analysis and integration processes simplify the recognition of opportunities and obstacles, thereby enhancing the ability of banks to deliver exceptional personalized services. The previously tedious application procedures and data-sharing challenges that have impacted small to mid-sized businesses (SMBs) have now been streamlined for a more efficient experience. Create highly customized sales proposals informed by the most recent insights into the challenges and potential of businesses. Armed with a thorough understanding of their clients' financial backgrounds, banks are more equipped to aid in making strategic decisions that yield long-term advantages. In addition to fostering stronger connections, leveraging these insights also propels significant business growth for clients, ultimately contributing to a more vibrant economic landscape for all involved. -
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TrueLayer
TrueLayer
Empower innovation with secure, seamless financial solutions today!TrueLayer distinguishes itself as a leading technology company that provides secure and global access to financial systems. Our innovative APIs enable developers to build high-quality products capable of accessing data and processing payments swiftly and securely. Founded in 2016, TrueLayer has formed alliances with major international banks, boasts backing from notable venture capital firms, and is relied upon by top fintech innovators such as Monzo, Revolut, and Zopa. By promoting open banking through our platform, we empower developers across diverse industries—from budding startups to established corporations—to revolutionize financial services. Operating across the UK, Europe, and Australia, TrueLayer streamlines the incorporation of cutting-edge payments and financial information into any application. Develop groundbreaking products that appeal to your clientele, allowing for effortless money transfers at competitive rates while ensuring a remarkable user experience. Our solution not only removes the necessity for cards but also reduces the risk of fraud and eliminates chargebacks, leading to a seamless financial transaction process. Moreover, by facilitating easier access to financial data, we help businesses enhance their offerings and adapt to the ever-evolving financial landscape. -
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Currencycloud
Currencycloud
Transform your global transactions with seamless currency solutions.Currencycloud provides international expertise to enhance your business endeavors, allowing you to confidently navigate future challenges. Their all-encompassing services cover every aspect necessary for global money transfers, featuring virtual wallets, named accounts, and effective management of multi-currency payments. By optimizing operations in a varied currency environment, Currencycloud ensures swift access to virtual accounts for companies, facilitating the effortless collection, conversion, payment, and oversight of multiple currencies from any part of the world. This strong foundation for cross-border and multi-currency transactions is crafted to ignite the imagination of developers. Designed by developers with developers in mind, it rests on a dependable platform that streamlines the launch of financial services for entrepreneurs, aids traditional banks in their innovation efforts, and backs the top digital challengers of the present. Become part of the broad array of clients who are reaping the benefits of Currencycloud's dynamic solutions, and explore how they can enhance your financial processes. With Currencycloud, financial transactions not only become more accessible and efficient but also open doors to new opportunities in the global marketplace. Their innovative approach ensures that you can remain competitive in an ever-evolving financial landscape. -
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i2c
i2c
Revolutionize payments with rapid, flexible, and customizable solutions.Effortlessly build, evaluate, and deploy your payment solutions using our innovative, modular technology designed like building blocks. With access to over 100,000 pre-coded functions via an easy-to-use point-and-click interface, you can dramatically shorten your time to market while supporting almost any application through our vast library of more than 300 APIs. Instantly transfer card information into users' mobile wallets and leverage sophisticated tools to deliver outstanding digital experiences. Enjoy the advantages of flexibility and control as you swiftly create and test new programs with distinctive features shaped by market insights, all while scaling your services on a platform that is secure, reliable, and contextually aware. Our highly customizable Agile Processing platform enables you to design and launch programs with an extraordinary range of functionalities, allowing for the deployment of initiatives in as little as 30 days without incurring hefty IT infrastructure costs. This efficient method not only boosts productivity but also encourages innovation within the constantly changing payment sector, paving the way for new opportunities and solutions tailored to meet diverse customer needs. -
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Headline Trove
Headline Trove
Unlock powerful insights from your financial transactions effortlessly.We provide an in-depth analysis of financial transactions for you, enabling a clearer understanding of user spending patterns and habits. By leveraging an advanced model, we decode financial data to offer immediate, practical insights into how users allocate their funds. All you need to do is submit your transaction details to our API, and we will enrich this information with accurate merchant identities, spending categories, geolocation data, and more—all in real-time. Below, you’ll find examples of actual transactions we've analyzed, showcasing the enhanced merchant information we deliver. Get your API key today to begin enhancing your transaction records. To accurately identify merchants for your bank or credit card transactions, Trove requires some specific details from you. You can also test your API request right on this page by entering your Trove API key and modifying the fields in the "request" section to suit your transaction data. After making the necessary adjustments, simply click "try it out" to view the enriched details of your transaction. This efficient process guarantees that you receive valuable insights promptly and effectively, making it easier to understand user behavior. Discover the benefits of enriched transaction data and enhance your financial analysis today. -
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Equifax API Developer Portal
Equifax for FinTech
Unlock powerful data insights with our developer-friendly API portal.The Equifax Developer API Portal serves as a key resource for developers, granting them the ability to leverage a diverse array of Equifax data and analytical tools. This platform is designed to equip developers with essential resources and utilities to build applications that utilize Equifax's insights to tackle various real-world challenges. The features of the Equifax API Developer portal include: A Wide Selection of APIs: Provides a variety of APIs catering to different needs such as identity verification, credit risk evaluation, fraud detection, and marketing strategies. Thorough and Interactive Documentation: Offers detailed API documentation that includes straightforward instructions, sample code, and extensive reference materials for easy comprehension. Secure Sandbox Environment: Allows for the testing of APIs in a safe sandbox setup, ensuring that no actual data is compromised during the testing phase. Robust Security for API Access: Enables the creation and management of API keys along with authentication processes to maintain secure access to the APIs. In addition, the portal fosters collaboration among developers by offering forums and support channels for sharing insights and troubleshooting challenges. -
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dxFeed
dxFeed
Empowering your financial journey with innovative analytical solutions.We serve a wide variety of clients, which includes online brokerages, currency exchanges, benchmarking companies, proprietary traders, financial platforms, and emerging startups. Alongside our core services, we offer an extensive array of analytical solutions, custom offerings, cloud computing services, data management options, and index management capabilities. Our advanced technology automates the complete lifecycle of index management, optimizing workflows for improved efficiency. Furthermore, we present a user-friendly system for documenting algorithms and methodologies, integrating analytical expressions and coding into a unified repository, thus removing the need for disparate documentation systems. Enhanced with features such as workflow automation and visual structuring, our services significantly improve data flow design and automation processes. We also provide comprehensive backtesting and analytical services, as well as customizable options for creating indices on demand. Our APIs supply global fundamentals and corporate actions data, created for smooth integration and easy querying of international corporate fundamentals. Moreover, our innovative market clustering tool utilizes machine learning and statistical models to generate a real-time market representation based on the actual performance of individual securities, resulting in not only better decision-making for our clients but also an enriched comprehension of market dynamics. This holistic approach ensures that our clients are well-equipped to navigate the complexities of the financial landscape. -
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Flinks
Flinks
Securely connect consumers to services with intelligent financial insights.Flinks facilitates the secure, consent-driven sharing of financial data, allowing you to connect consumers seamlessly with their desired services. With Flinks Enrichment, you gain an intelligent analytics framework that enhances both retail and business banking data, making it effortless to derive actionable insights for various applications, including credit risk evaluation, income verification, life event detection, and fraud prevention, regardless of whether you source data from Flinks or utilize your existing integrations. Flinks Connectivity boasts the most extensive financial data network coverage available, enabling your customers to effortlessly and securely link their financial accounts so you can access the necessary data for your services, from KYC requirements to transaction histories and asset information, making it a crucial asset for your business to gain a competitive edge. Additionally, Flinks Outbound equips you with the necessary Open Banking infrastructure to swiftly launch and adapt in an ever-evolving market and regulatory landscape; succeeding in open banking transcends mere technology and APIs. Our extensive ecosystem of third-party applications, already embraced by millions of Canadians, can serve as a powerful launchpad for your initiatives, ensuring that your services are not only innovative but also widely accessible. -
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Spade
Spade
Transforming merchant insights with real-time, verified accuracy.Spade’s API offers precise insights into merchants, categories, and locations by utilizing verified data rather than relying on assumptions, ensuring real-time accuracy. It leverages a strong ground-truth data network that connects transactions to authentic merchant identities, thus removing the necessity for data scraping or speculation. You can access extensive and standardized details for more than 99.9% of merchants in the U.S., encompassing everything from major national brands to small local businesses. By moving beyond conventional MCC and NAICs codes, you gain access to detailed spending categories, geographic coordinates, and supplementary information such as logos, websites, operating hours, and insights into customer spending behaviors. The processing of transaction data is exceptionally fast, with enhancements delivered in under 50 milliseconds, which is well within the limits for card authorizations and significantly faster than rival enrichment services. Moreover, the integration process is quick and user-friendly, capable of being completed in less than an hour, which promotes immediate operational efficiency. This efficient setup ensures that businesses can quickly leverage accurate data, enhancing decision-making processes without unnecessary delays. Ultimately, Spade's API transforms how companies interact with merchant data, making it a vital tool for growth and strategic planning. -
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UniBit
UniBit
Effortlessly access tailored financial insights for informed decisions.UniBit stands as your go-to center for comprehensive financial information. By harnessing advanced technologies such as natural language processing, machine learning, and cloud infrastructure, we deliver sophisticated and extensive market data more rapidly, conveniently, and accessibly than ever before. Our platform is designed to create and implement customized data feeds, empowering your team to make well-informed decisions with ease. Explore our market search engine, which aggregates all essential market insights for your convenience. We tailor market insights to meet the unique needs of each client, ensuring a personalized experience. With UniBit Terminal, you can manage your data assets in a way that is unmatched by other platforms. No coding or technical expertise is needed; in just a few clicks, you can effortlessly create and deploy your own information streams. From identifying market opportunities to mitigating risks, UniBit allows you to kickstart an analytics project in days rather than weeks. You can personalize your data feed and easily adjust your API for smooth integration with any application, giving you the flexibility to customize your experience. Furthermore, you can gain complete control over your data assets and download them instantly with just a click of a button, guaranteeing that you have the necessary resources at your disposal. This adaptability empowers you to maintain a competitive edge in the ever-evolving financial landscape, ensuring you are always one step ahead. -
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KnotAPI
KnotAPI
Streamline your online life with seamless account automation.Knot is a vital tool for achieving smooth interoperability across various online accounts. Utilizing Knot allows you to create a more interconnected future for all participants involved. It automates everyday online tasks for users in seconds, enabling functions like account creation, service cancellations, and adjustments to payment methods. With Knot, you can easily update your card details, cancel subscriptions, and change passwords without hassle. The process of integrating Knot into your existing technology framework can be accomplished in mere hours, significantly faster than the weeks that are usually needed. Its user-friendly and visually appealing design enhances conversion rates while ensuring an enjoyable user experience. Security remains a top concern, with strong protections in place to safeguard your information, which is shared only with your clear consent. Developers are provided with simple tools that help in crafting outstanding customer interactions. Moreover, card issuers take advantage of KnotAPI to effortlessly update saved payment methods for their clients, which accelerates spending from day one with only minimal coding. By adopting Knot, you not only boost efficiency but also cultivate stronger connections within your technology ecosystem quicker than ever before, ultimately leading to a more cohesive online environment. The benefits of such integration can truly transform the way users engage with digital services. -
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1099FIRE Software
National Software
Effortless compliance solutions for efficient year-end reporting.1099FIRE operates as a subsidiary of National Software, a corporation based in Arizona, and it specializes solely in the realm of information reporting. Our company develops and upholds software solutions that facilitate compliance with crucial year-end forms such as 1042-S, 1097-BTC, 1098, 1099, and 8027. We offer a diverse array of products that empower businesses and institutions to efficiently navigate their year-end filing obligations. Our software is crafted with user-friendliness in mind, ensuring a seamless experience that saves both time and resources. It is important that users can easily dive into the software without any hassle. Thus, we prioritize creating software that is straightforward, simple to install, and intuitive to operate, making the compliance process as smooth as possible for all users. -
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IEX Cloud
IEX Cloud
Empower your financial applications with seamless, reliable data access.Accessing financial data has never been easier. IEX Cloud empowers you to fast-track the creation and growth of your financial applications. It offers the simplest approach to developing financial solutions. You can tap into institutional-grade data that includes real-time and historical stock prices, fundamental metrics, forex, cryptocurrencies, and a multitude of other resources, all through a single API. Experience extensive coverage of the U.S. market with more than 95,000 securities readily available. With just one subscription, you gain access to a wide range of datasets without being locked into long-term contracts or facing large upfront costs. You can retrieve the data you need in mere minutes using an intuitive API, allowing you to focus entirely on your development tasks. All essential financial information is conveniently centralized, available whenever and wherever you need it. No programming expertise is required, and you can also access Premium Datasets from an expanding network of curated partners. Opt for your preferred integration method to ensure smooth compatibility with the other tools in your setup. Our robust architecture is tailored to facilitate rapid growth and scalability for businesses. With a dependably efficient platform, you can dedicate yourself to building your projects while reducing worries about data integrity and performance. This environment fosters innovation, enabling you to thrive in the dynamic finance landscape. Moreover, the seamless integration capabilities ensure that your applications can evolve alongside your business needs. -
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Gig Wage
Gig Wage
Streamline contractor payroll with effortless compliance and support.Presenting payroll and compliance solutions tailored to elevate your contractor-centric business. Whatever your needs for overseeing your 1099 workforce—be it e-filing or payment processing—we prioritize compliance while ensuring contractor satisfaction. Gather essential information throughout the year for effortless compliance maintenance. Meet the expectations of your contractor team with ease and efficiency. Our automated error management system simplifies and alleviates stress from the payment processing experience. Bid farewell to requiring contractors to register with our bank for payments; they can receive funds through their preferred banking channels. Import your payment data and file your 1099s seamlessly, all from your own platform. Our solution integrates smoothly with your existing application, facilitating seamless operations for both you and your contractors without the need for software switching. Implementing this system can be completed in hours rather than months, allowing you to quickly activate your payroll functionalities. Thanks to our advanced API and embeddable components, your developers can swiftly create efficient solutions. With an emphasis on developer support, we offer modern APIs and client libraries, encouraging collaborative efforts on future initiatives. This partnership not only strengthens your operational capabilities but also promotes continuous innovation within your business landscape. By adopting our solutions, you can streamline processes and enhance overall productivity, paving the way for future growth. -
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MRR.io
MRR.io
Streamline MRR tracking with seamless integrations and insights.Efficiently track your Monthly Recurring Revenue, no matter which payment processor you opt for. Our platform provides comprehensive insights into the financial health of your SaaS enterprise, offering crucial metrics and insightful business intelligence. We ensure smooth integration with Stripe, Paddle, and a variety of other services through a RESTful API. MRR.io acts as an easy-to-navigate dashboard for monitoring MRR, greatly simplifying your management processes. The API complies with REST standards, utilizing resource-oriented URLs and HTTP status codes to indicate any errors encountered. Data communication occurs in JSON format for both requests and responses, promoting consistency and user-friendliness. Secure authentication is managed using HTTP Basic Auth along with your API keys, and all data transfers occur over HTTPS for added security. With MRR.io, you not only gain transparency but also build trust in your financial monitoring efforts, empowering you to make informed decisions for your business's future. This robust system ultimately supports your growth and success in the competitive SaaS landscape. -
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efile4Biz
efile4Biz
Streamline your filing process and reclaim your time!Our intuitive platform allows you to complete form submissions within mere minutes, enabling you to concentrate on what truly matters in your life. You have the option to enter your details manually, use an Excel template, or seamlessly connect with accounting software like QuickBooks and Xero. In contrast to traditional software that demands significant manual labor, you can simply provide your information while we take care of processing, printing, mailing, and filing on your behalf. You can feel confident that your business is in safe hands. As an established IRS transmitter, we emphasize both security and accuracy in electronic filing. Whether you're dealing with a single filing or thousands, submitting your 1099s, W-2s, and ACA forms online simplifies the entire process and saves you precious time. Just securely complete your form(s) on our website and submit your order, and we will handle the printing and distribution of the forms to your recipients, as well as directly e-file with the IRS or SSA. You can conveniently upload all your information at once using our Excel templates or effortlessly import data from QuickBooks and Xero, streamlining the workflow even further. By opting for our services, you not only save time but also ensure that your filing needs are met with reliability and efficiency. With us, you gain a dependable ally for all your fiscal responsibilities. -
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Yearli
Greatland
Streamlined filing solutions with expert support and security.Yearli, provided by Greatland, serves as a complete solution for submitting federal, state, and recipient forms such as W-2, 1099, and 1095. The platform allows users to input or import their data seamlessly, and Yearli efficiently manages the filing process with federal and state authorities, while also sending out copies to recipients through both email and conventional mail. It offers three distinct plans that cater to different budgets and business needs. With a team of over 125 seasoned professionals, Greatland is proud to have some of the most experienced advisors in the wage and income reporting sector for these forms. Furthermore, Greatland emphasizes the importance of customer security and confidentiality, which is why Yearli's online filing solutions have undergone various security audits by independent evaluators. These enhancements were specifically designed to comply with the stringent standards of Service Organization Control Reports SOC 2 certification, ensuring robust protection for clients' sensitive data. As a result, Yearli stands out as a reliable option for enterprises of all sizes, providing peace of mind alongside expert support. In today's digital landscape, businesses can trust Yearli to safeguard their information while ensuring smooth and accurate filing processes. -
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Tax1099.com
Zenwork
Streamline your 1099 MISC filing with effortless compliance.Effortlessly generate, confirm, submit, and file your 1099 MISC forms using the compliant e-filing platform, Tax1099, trusted by over 100,000 businesses. Join our service today to manage all your payers and companies conveniently in one location. You can file any required form for any payer directly from your account with ease. To begin, simply create multiple payer profiles or import your existing data seamlessly. Our user-friendly guided notice management tool is designed to save you valuable time while ensuring compliance is straightforward. With a built-in notice management dashboard, organizing communications with the IRS and other entities becomes hassle-free. Rest assured that your sensitive information is secured through our 256-bit bank-grade security protocols. Additionally, two-factor authentication adds an extra layer of protection against unauthorized access to your data. You also have the flexibility to add users and assign permissions selectively, allowing you to control access to various data within your account effectively. Moreover, our platform continuously evolves to meet your needs, making tax filing not just easier, but smarter.