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Access to financial data is stupidly expensive. Making a budgeting app that serves 100 power users isn't possible to bootstrap. I wish it wasn't this way, would enable way more applications to be built

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I am in violent agreement. In Australia we have a government-legislated initiative called the "Consumer Data Right", through which the development and implementation of Open Banking APIs across the banking sector has taken place. Unfortunately to access these APIs you need to be an Accredited Data Recipient which places all sorts of (quite reasonable) obligations upon you. No one seems to be interested in making these APIs available in a direct-to-consumer model for their own personal data only - where compliance with the obligations should no longer be necessary since it is at your own risk.

> No one seems to be interested in making these APIs available in a direct-to-consumer model for their own personal data only

I wouldn't expect this use case to be filled by a business. It's just not a good market to go after unless you like picking up pennies.

Bootstrapped by one person: https://lunchmoney.app/

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