Compare · Trifold vs Digits

Trifold vs Digits

Digits and Trifold both build books from the systems money already moves through. Digits calls itself the first AI-native general ledger for business owners and accountants: AI bookkeeping, reconciliation and close across connections to more than 12,000 banks, cards and payroll providers. Trifold is narrower: Stripe payments become balanced books by fixed rules, with a signed receipt for each payment that anyone can check.

Digits, in its own words: “Accounting software—that works for you.”

Where Digits is strongest

Honest first. If these matter most to you, Digits is likely the better fit.

SOC 2 Type II today

Digits states it is SOC 2 Type II compliant. Trifold has no SOC 2 report yet; its target date is still to be announced.

Connected to almost everything

Bank, card and payroll connections to more than 12,000 providers, with Stripe, Ramp, Gusto and BILL as import sources, plus a developer API and MCP.

A full AI close, with people if you want them

AI bookkeeping and reconciliation around the clock, AI bill pay and invoicing, an agentic close, and a managed accounting option with a human in the loop.

Where Trifold differs

Shipped means it works today in the engine. Next means it's on the roadmap and not built yet.

Shipped

Anyone can check a receipt, with no account

A family, CPA or auditor pastes a receipt into the free verifier at /verify. It runs in their browser and sends nothing to us; the CLI does the same check offline.

Shipped

Open formats and an engine you can run yourself

Export the books to Parquet, hledger or CSV whenever you like. The receipt and seal formats are open, and the engine is self-hostable, with its source public on GitHub.

Rifo drafts. You approve. The engine does the math.

Rifo will read your books, explain them and propose the month's close, citing the events behind every answer. It never computes a number and never posts on its own.

Side by side

The companies and products, fact by fact. Trifold's prices are planned; the hosted service is early access. "Not stated" means Digits's public pages don't say; it doesn't mean the feature is missing.

Built for: TrifoldSchools, studios, non-profits and other organizations paid through Stripe DigitsBusiness owners and accountants: startups and small businesses, with firm plans billed per client
Monthly price: TrifoldFree, then Starter $29, Pro $79, Witnessed $149 a month, planned. Non-profit and co-op: $15 / $39 / $79 DigitsEssentials $65, Core $100 a month; Pro $250 is coming soon
Free plan: TrifoldPlanned. The hosted service is early access; design partners are free during the pilot DigitsNone listed
Seats: TrifoldNo per-seat fees; CPA and bookkeeper seats free (planned) DigitsNot stated
Who can check the records: TrifoldAnyone, in a free browser verifier or the CLI, with no account DigitsNot stated
AI: TrifoldRifo, Next (not shipped): drafts and explains, you approve, the engine does the math DigitsAI bookkeeping and reconciliation, Ask Digits, AI Quality Review and an agentic close; whether entries post without review is not stated
Export: TrifoldParquet, hledger and CSV, on every plan DigitsNot stated; a developer API and MCP are offered
Self-hosting: TrifoldThe engine is self-hostable DigitsNo; hosted only
Stripe: TrifoldNative: books built from Stripe events, Stripe's webhook signature checked DigitsAn import source, alongside Ramp, Gusto, BILL and CSV
Bank and card connections: TrifoldNone today; bank-statement import (CSV/OFX) is planned Digits12,000+ bank, card and payroll providers
SOC 2: TrifoldTarget date to be announced DigitsType II, stated

Trifold and Digits, fact by fact
Fact	Trifold	Digits
Built for	Schools, studios, non-profits and other organizations paid through Stripe	Business owners and accountants: startups and small businesses, with firm plans billed per client
Monthly price	Free, then Starter $29, Pro $79, Witnessed $149 a month, planned. Non-profit and co-op: $15 / $39 / $79	Essentials $65, Core $100 a month; Pro $250 is coming soon
Free plan	Planned. The hosted service is early access; design partners are free during the pilot	None listed
Seats	No per-seat fees; CPA and bookkeeper seats free (planned)	Not stated
Who can check the records	Anyone, in a free browser verifier or the CLI, with no account	Not stated
AI	Rifo, Next (not shipped): drafts and explains, you approve, the engine does the math	AI bookkeeping and reconciliation, Ask Digits, AI Quality Review and an agentic close; whether entries post without review is not stated
Export	Parquet, hledger and CSV, on every plan	Not stated; a developer API and MCP are offered
Self-hosting	The engine is self-hostable	No; hosted only
Stripe	Native: books built from Stripe events, Stripe's webhook signature checked	An import source, alongside Ramp, Gusto, BILL and CSV
Bank and card connections	None today; bank-statement import (CSV/OFX) is planned	12,000+ bank, card and payroll providers
SOC 2	Target date to be announced	Type II, stated

Which one fits

Choose Digits if…

You want an AI-first ledger connected to your banks, cards and payroll, with SOC 2 Type II now, and hosted-only is fine.

Choose Trifold if…

Most of your money comes through Stripe, and you'd rather have numbers from fixed rules, receipts anyone can check, open formats and a lower planned price.

Sources

Digits homepage: https://digits.com(opens in a new tab)
Digits pricing: https://digits.com/pricing(opens in a new tab)
Digits security: https://digits.com/security(opens in a new tab)

Facts about Digits checked against its public pages as of 2026-11-06. Prices and features change; check theirs before you decide. Corrections: hello@gettrifold.com. All comparisons.

Every dollar, three ways. Every month, sealed.

Books ✓Receipt ✓Stripe ✓

Get early access Verify a sample receipt

Design partners: founder onboarding, free during the pilot.