Where ShadowLedger sits next to the tools it gets asked about. Every claim about a named product was checked against that vendor's own documentation, and every page says when you should use them instead.
No, and it is not built to. Ramp's spend data is the stream of transactions Ramp itself authorizes or pays, so a subscription charged to a different card, paid by ACH transfer, or invoiced annually produces no record for it to read. ShadowLedger starts from the accounting ledger instead, which records a payment whichever rail it crossed.
It will not, because Brex's data is the record of what Brex authorized or paid. Its accounting integrations run outward, pushing Brex transactions into QuickBooks or Xero for reconciliation rather than reading the ledger to find spend elsewhere. ShadowLedger reads that ledger directly, so a subscription paid by ACH or invoice shows up the same as one paid by card.
Not the ones that never run through it. BILL is unusual among card platforms in that it also processes payables, so a vendor paid by ACH or check through BILL is visible to it where a pure card tool would miss that payment entirely. What stays outside its view is spend on rails it does not handle, because its record is what BILL processed rather than what your ledger recorded.
Its discovery is built around spend it can observe, which means its own cards and a browser extension, not the transactions in your accounting system. Cledara's accounting integrations push its data out to Xero and QuickBooks rather than reading them. ShadowLedger works the other way round, reading the ledger so a subscription is visible whether or not you have moved it onto a new card.
Not on data source, and it would be dishonest to claim otherwise: SpendHound ingests QuickBooks for discovery, so the coverage argument that separates us from card platforms does not apply to it. The difference is the shape of the product. SpendHound is built for one company to run on itself, and ShadowLedger is built for a bookkeeping or CAS firm to run across a book of client companies.