All the money managements apps (Monarch etc) use one of the big three bank gateways, Plaid, MX or Fincity.

They all have issues mainly the banks want constant reauth two factor rather than just trusting forever.

Mint was better they had their own connection supposedly and now that’s gone but wasn’t an open api.

I get the feeling banks don’t want this sort of thing and are fine making it annoying to use