Some modern fintech cards (such as those issued through partners like Evolve Bank & Trust) operate without traditional usernames and passwords – authentication is handled entirely through their mobile app rather than credential-based login. This makes it impossible to connect these accounts through standard Plaid or MX bank-linking flows, which require credentials to authenticate.

It would be valuable for Piere to support connecting accounts that use passwordless or app-only authentication methods, so users can track all their spending in one place without resorting to manual transaction entry. This could involve OAuth-based connections or direct data provider integrations for supported institutions.

Supporting passwordless card connections would allow users of these newer fintech products to benefit from Piere’s automatic syncing and monitoring features.