Midday alternative: recovering your data after the shutdown, and how Selfirm compares

We checked everything on this page about Midday on 11 November 2026, against Midday’s own site, documentation and code repository, and Ramp’s announcement. The sources are listed at the end. If something has changed since, tell us and we will correct it.

The first half of this page is for every Midday user, whatever you move to next. The comparison with Selfirm comes after it.

What is happening to Midday

• 7 May 2026. Midday’s founders, Pontus Abrahamsson and Viktor Hofte, announced that Midday is joining Ramp. Ramp published its own post the same day. Both founders joined Ramp.
• The wind-down. The announcement said the Midday product would wind down “over the next three months”. Every customer was emailed directly. Annual plans were refunded. Customers who were interested and eligible were offered a personalised migration path to Ramp.
• Your data. For everyone else, the account stayed active for 90 days “with full data export available throughout”. The announcement’s words: “Your data is yours.”
• 13 June 2026. The last change to Midday’s code repository wound down billing: subscriptions were cancelled and an in-app banner told users their account stays active while they migrate or export.
• 7 August 2026. An archived copy shows the sign-in page at app.midday.ai still online.
• 11 November 2026. When we checked, app.midday.ai and api.midday.ai both answered “Application not found”. The marketing site, documentation and support form were still online. We could not find a published date on which the app was switched off; 90 days from 7 May is 5 August.
• The code. The repository stays public under AGPL-3.0, with about 15,100 stars. It is not archived, but nothing has been pushed since 13 June 2026, and the self-hosting page in Midday’s developer documentation has no instructions on it.

In short: the hosted app is gone. If you exported in time, you have a file. If you did not, your records have to be rebuilt from where they came from.

What to do now

If you exported from Midday

• Keep the export file unchanged and work on a copy. Midday’s CSV export carried date, description, amount, category, account, tags, receipt links and notes.
• Check whether the receipt links still open. They pointed at files stored by Midday. If they no longer open, the receipts themselves have to come from where they started: your mailbox, the vendor’s billing page, or your own files.
• If you exported to Xero, QuickBooks or Fortnox through Midday’s integrations, those records live in that software and are not affected.

If you did not export

• Ask Midday. The support form at midday.ai/support was still online when we checked. We do not know whether data can still be released; we found no published retention or deletion date.
• Rebuild from the original sources. Most of what Midday held was a copy of something that still exists elsewhere:
  • Transactions: download statements from each bank and card issuer for every month you need, in PDF, CSV or XLSX, whatever the bank offers. Many banks let you download several years.
  • Invoices you sent: your sent mail, and the records at Stripe or whichever payment provider collected the money.
  • Receipts: the mailbox you forwarded them from, or each vendor’s billing page.
  • Vault files: the place you originally uploaded them from.
  • Time entries: the hardest. If they were not exported, your calendar or project tool may be the only trace left.

Close the connections you opened

Midday was given access to other services. With the product gone, revoke it:

• Bank connections through Plaid (US and Canada): Plaid Portal lets you see the apps connected through Plaid and disconnect them.
• Bank connections in Europe (GoCardless or Enable Banking): look in your online banking for connected apps or third-party access.
• Gmail or Outlook, if you connected your mailbox for receipts: remove Midday from your account’s third-party access settings.
• Xero, QuickBooks, Fortnox, Slack, Stripe and any other app you connected: disconnect Midday there.

What Midday did well

Midday was a good product, and the people who chose it had reasons.

• Design. It was carefully designed and fast to use. Ramp’s own announcement called it “one of the most thoughtfully designed products in modern financial software”, which matches what its users said.
• Built in public, open source. The whole codebase was public under AGPL-3.0, and the founders shared their decisions as they went.
• Wide bank coverage with no effort. Four aggregators (Plaid, Teller, GoCardless and Enable Banking) gave read-only feeds for what Midday described as more than 20,000 banks, with CSV import as a fallback.
• Careful receipt matching. It matched receipts to transactions on amount, date, merchant and currency, learned from your confirmations, attached the obvious matches and asked about the uncertain ones.
• The freelancer’s working day in one place. Invoicing with online card payments and recurring invoices, time tracking that turned into invoices, customers and a file vault.
• A clean hand-off to accountants. A review queue that you worked down to zero, then export to Xero, QuickBooks, Fortnox or CSV.
• Open to AI early. An assistant, a REST API, CLI, SDKs and an MCP server. Its last project, Midday Computer (private beta), proposed actions such as invoice reminders and waited for your approval before anything went out.
• A decent wind-down. Direct emails, refunds on annual plans, 90 days of access and a full export.

Before the wind-down, Midday cost $19 a month for Starter (3 bank connections, 15 invoices a month) or $49 for Pro (10 bank connections, 50 invoices a month), or $15 and $39 a month billed yearly.

If what you miss most is invoicing and time tracking, Selfirm is not a replacement today. The section on who should not pick Selfirm says more.

Where Selfirm differs, and why

Selfirm is the headquarters of a one-person company: one trusted record of what you and your companies hold, owe and must do, which AI agents will be able to read and act on under permissions you set. Finance is its first domain. It is in early access and not open to the public yet.

Statement files instead of bank connections

Midday started from a live bank feed. Selfirm starts from the statements your banks and brokers already give you: PDF, XLSX or CSV, a whole folder at once. It recognises each file, picks the right reader, and works out which account a statement belongs to even when the account number is not printed on it. More on how import works.

What this buys you:

• No bank logins and no OAuth access. Selfirm never holds a connection to your accounts.
• Not limited to where aggregators operate. A statement file looks the same to Selfirm whether the bank is in Frankfurt, Hong Kong or Shanghai.
• History as far back as your statements go. A bank feed typically fetches about 90 days of history when you first connect; statements can cover years.
• Evidence, not a copy. The statement is the bank’s own document, with its own balances.

What it costs you: nothing is live. You hand in statements, typically once a month.

And an honest limit: Selfirm has readers today for about ten institutions, banks and brokers in Hong Kong, mainland China and the US. More are being added. Drafting a reader from your own file for a bank Selfirm does not know yet is planned. Check the institution library for your banks.

You and every company, in one record

Midday’s model was a workspace for a business. Selfirm keeps you and each of your companies as separate parties in one record. You can see the whole world at once, everything you and your companies hold, or switch to the perspective of a single company. Every movement is attributed to the party it belongs to, and money moving between your own accounts, including between you and your company, is proposed as a transfer rather than counted twice as income and expense. More on one world, many views.

Checked, then confirmed

Selfirm does not run on autopilot. It checks each statement’s balance chain, so the opening balance plus the movements equals the closing balance, and checks continuity from one statement to the next. Where two files cover the same days, it removes the overlap. It classifies each movement as income, expense or transfer and asks you to confirm; what you confirm is recorded as fact, and what it guessed stays a proposal until you do. Every figure opens back to the row of the original file it came from. More on how reconciliation works.

Finance is the first domain, not the whole product

Alongside the money, Selfirm keeps a registry of everything you and your companies hold, and a desk of matters that need you, with reminders before anything you hold comes due, such as a domain renewal. Giving your own AI agents access to this record, under permissions you set, is planned.

Side by side

Midday as it was before the wind-down; Selfirm as it is in early access today.

	Midday	Selfirm
Status	Wound down after joining Ramp (announced 7 May 2026); app offline when checked	Early access, not public yet
How data gets in	Live bank feeds through Plaid, Teller, GoCardless and Enable Banking; CSV import as a fallback	Statement files (PDF, XLSX, CSV), a whole folder at once: Works today. Bank connections: Planned
Banks covered	Where the aggregators operate, mainly Europe, the US and Canada	Any institution with a reader; about ten today in Hong Kong, mainland China and the US: Works today. Reader drafted from your file: Planned
Access to your bank accounts	Read-only connection through an aggregator	None needed
History	About 90 days back at connection, then ongoing	As far back as your statements go: Works today
Balance checks	Balance updated on each sync	Balance chain within each statement and continuity across files; overlaps removed: Works today
Classification	Automatic categories	Income, expense or transfer, proposed for you to confirm; transfers between your own accounts paired: Works today
Tracing a number	Receipts attached to transactions	Every figure opens to the row of the original file: Works today
You and your companies	A workspace per business, with team members	You and each company as separate parties, with a whole-world view: Works today
Reminders	Overdue invoice reminders, weekly insights	Desk of matters with due-date reminders for anything you hold; registry of holdings: Works today
Invoicing and payments	Yes	Not offered
Time tracking	Yes	Not offered
Receipt inbox and matching	Yes	Planned
Export	Xero, QuickBooks, Fortnox, CSV	Beancount and CSV export: Planned
Accountant access	Through exports	Accountant seat: Planned
AI and agents	Assistant, API, CLI, MCP server; Midday Computer in private beta	Agent access through MCP, under permissions: Planned
Apps beyond the browser	Mac app; chat through iMessage, WhatsApp, Slack and Telegram	Mobile: Planned
Source code	Public, AGPL-3.0	Not open source
Price	$19/month Starter, $49/month Pro ($15 and $39 billed yearly)	Not live yet; planned at $19/month Core and $49/month Agent

Who should not pick Selfirm

Be clear about what Selfirm does not do yet. You are better served elsewhere, for now, if:

• You need to send invoices, take payments or track billable hours this month. Selfirm does none of these today.
• You want transactions to appear on their own within minutes. Selfirm reads statements you hand in; there is no live feed.
• Your banks are not in Selfirm’s library yet and you need to start now. Check the institution library first.
• Your accountant needs a Xero or QuickBooks export, or their own login, today. Both are planned, not shipped.
• You want to run it on your own server. Selfirm is a hosted service and its code is not public.
• You need something you can sign up for today. Selfirm is in early access.

If you are eligible for Ramp’s migration path and your business has the shape Ramp serves, that path was built for Midday customers and is worth asking about.

Moving from Midday to Selfirm

1. Keep your Midday export as a reference. Selfirm does not read Midday’s export file today, but your categories and notes are useful when you check the result.
2. Download the original statements from each bank and broker, for the whole period you want, in whatever format the institution offers. The original files are better evidence than an export: they are the bank’s own documents, they carry opening and closing balances that can be checked, and you can show them to an accountant or a tax office.
3. Hand them in as one folder. Selfirm sorts the files, works out which account each belongs to, checks the balances and removes overlaps.
4. Set up your parties. You, and each company you run. Then confirm the transfers and classifications Selfirm proposes.
5. Compare against your Midday export. Monthly totals per account are a quick way to see that nothing is missing.
6. Keep your receipts and invoices where they are for now; a receipt inbox is planned.

Selfirm is in early access. If you would like to be considered, join the waitlist. Planned prices are on the pricing page.