BalancedStatement VS Tempreon

BalancedStatement's answer

I’m a software engineer, and I kept running into the same problem: the converters I tried either wanted a monthly subscription for something I needed occasionally, or gave me a spreadsheet I couldn’t trust without checking every row by hand. So I built a converter that does the checking itself, comparing every row against the balances the bank printed, and charges per statement. It started with banks in Cyprus and Europe (Bank of Cyprus, Eurobank, Revolut, Wise) and learns new bank layouts as people use it.

Tempreon's answer:

Tempreon started with a simple observation: AI models keep changing, but the thing that makes them useful to you — your context, your preferences, your judgment — gets rebuilt from scratch inside every tool, and lost every time you move.

We built the layer that fixes that: person-owned memory served over the open Model Context Protocol, so it works across assistants instead of belonging to one. Along the way we open-sourced the pieces that are useful to everyone regardless of whether they use Tempreon — like memhaul, our MIT-licensed CLI for turning ChatGPT and Claude data exports into files you own.

The through-line is custody: the model is temporary, your memory shouldn't be.

BalancedStatement's answer

Most converters charge a monthly subscription, which doesn’t make sense if you convert statements a few times a year. BalancedStatement costs €0.65–1.20 per statement of up to 10 pages, with no subscription and nothing to cancel. Your first statement is free, and if a complete statement doesn’t reconcile, you don’t pay. You get Excel, CSV, QuickBooks (QBO) and Xero files, so you can import straight into your accounting software.

Tempreon's answer:

Most alternatives in this space are memory infrastructure for developers building their own AI apps. If you're the person using several AI tools every day, that's not your problem — your problem is re-explaining yourself to each of them and losing everything when you switch.

• Tempreon solves that one: one memory, every assistant, no re-onboarding.
• The model landscape changes every few months — a memory layer that belongs to you is the thing that shouldn't.
• No lock-in by design: plain-text exports, open-source export tooling, portable formats.

The choice is really about who the memory is for. Ours is for you.

BalancedStatement's answer

It checks every conversion against the opening balance, the closing balance and every running balance on the statement, and shows you the result in a balance-check sheet inside the Excel file. You pay per statement instead of a monthly subscription, and credits never expire. It also reads phone photos, not just PDFs. Statements from banks in its template library are read by its own parser, with no AI involved.

Tempreon's answer:

Tempreon is built for the person, not the app. Most memory products are developer APIs for adding memory to a single product; Tempreon is a memory layer you own that travels with you across every AI tool you use — Claude, ChatGPT, Cursor, anything MCP-capable.

• It learns, it doesn't just store. How you work, what you decide, how you like things done — refined over time, not filed away.
• One memory, every assistant. Captured once in one tool, available in all of them. No re-explaining yourself.
• Custody is structural, not marketing. Your data exports anytime, the formats are portable, and our export tooling (memhaul) is open source. We monetize the service, never the custody.

BalancedStatement's answer

Bookkeepers, accountants and small business owners who need to get bank transactions from PDF statements into Excel, QuickBooks or Xero. That includes catching up on old periods, onboarding a new client, or working with a bank that only gives out PDFs. It also suits individuals who need a spreadsheet of their transactions for taxes or a loan application.

Tempreon's answer:

Individuals who live in AI tools all day: operators, consultants, founders, sales professionals, and knowledge workers who use more than one assistant and are tired of being a stranger to each of them.

If you've ever pasted the same context into Claude and ChatGPT in the same week — you're the audience.

BalancedStatement's answer

Python, FastAPI, PostgreSQL (Supabase), pdfplumber for template-based parsing, Claude (Anthropic) for statements from banks that aren’t in the library yet, Stripe for payments, and Fly.io for hosting.

Tempreon's answer:

• Model Context Protocol (MCP) over streamable HTTP — the core of it. This is what makes Tempreon work in any compliant client rather than one walled garden.
• OAuth 2.1 with dynamic client registration and PKCE for authorization.
• TypeScript and Postgres under the hood.

The protocol choice is the product decision: build on the open standard, and your memory works everywhere the standard does.