Why connect Qonto
Your Qonto account knows exactly what came in and what went out. What it does not do is tell you whether you are on plan, what next quarter looks like, or what happens if you hire two people. That means exporting transactions and rebuilding a spreadsheet, every month.
Layerz pulls your Qonto feed directly and lands it as an actuals branch on a model that persists. Cash in, spend by category, next to your forecast, on one structure you reuse.
What you get
- Cash and spend, live against plan. Real transactions next to your budget, same structure.
- Runway you can trust. Reforecast burn on real numbers, not a stale export.
- Scenarios that hold. Branch a change without breaking the base.
- Audit-ready Excel. Export any time. Never paywalled.
Honest limits
- Layerz reads Qonto transactions. It does not move money or write back.
- Custom category labels are a Qonto API constraint, not a Layerz one. Qonto's API only exposes its default categories, so custom labels do not come through the feed for any tool. You map at the default-category level, then refine inside Layerz if needed.
- Layerz models your cash and P&L, it is not a bank or a bookkeeping tool.