Hey HN, I'm Eric. I wanted programmatic access to my own bank transactions but every time I tried, the friction got the best of me. CSVs from five banks in five formats, or Plaid, which is good but built for companies (business entity, compliance review, sync pipeline you host yourself). I just wanted to query my transactions.

So I built Shim.Finance Link your bank accounts, get an API key, query your data. TypeScript SDK, 10,000+ institutions via Plaid under the hood. Shim handles token rotation, connection monitoring, retries, and encryption. You get a query API instead of a sync API. No webhook infrastructure, no local database.

Every aggregator in this space is built for businesses. You literally cannot use most of them without a business entity. You shouldn't need to form an LLC to access your own financial data. It's in beta and free right now. I'd love to hear what you'd build with it: https://www.shim.finance

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