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.

Next

### 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.

| 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](https://digits.com)
-   Digits pricing: [https://digits.com/pricing](https://digits.com/pricing)
-   Digits security: [https://digits.com/security](https://digits.com/security)

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](mailto:hello@gettrifold.com). [All comparisons](https://tfd-ledger.pages.dev/compare).

## Every dollar, three ways. Every month, sealed.

Books **✓**·Receipt **✓**·Stripe **✓**

[Get early access](https://tfd-ledger.pages.dev/early-access) [Verify a sample receipt](https://tfd-ledger.pages.dev/verify)

Design partners: founder onboarding, free during the pilot.