A transaction shows what happened. The Spend Graph shows what it means.
On its own, a transaction is a record — a merchant name, an amount, a timestamp. It does not tell you what it means relative to the 3.7 billion other things that happened alongside it. The Spend Graph maps the relationships between every transaction, every merchant, and every dollar that moves between them.
Structured at the transaction level and queryable at any scale: how much Americans spent in a category last month, which categories are growing fastest in the Southeast, how share of category has shifted over the last six quarters. The economy produced those answers the moment each transaction settled. The graph just keeps score.
