Does Ledgerward connect directly to my bank?+
Not today. Imports are deliberate and reviewable: Chase formats work out of the box, and configurable CSV profiles cover other exports. Direct bank connections are deferred, so the core product never depends on them.
Is this just envelope budgeting?+
No. The envelope plan sits on an immutable double-entry ledger, with dedicated handling for cards, loans, HELOCs, transfers, refunds, reconciliation, and month close.
Is Ledgerward ready for everyone?+
Ledgerward is usable today and under active development, but it has not reached a 1.0 compatibility commitment. Current gaps and implementation status are documented openly in the project roadmap.