Clyr vs Reflexivity (formerly TOGGLE AI)

Clyr is an expense and spend management platform built for project-based businesses with field teams. It connects to the cards and bank accounts you already use, captures receipts as purchases happen, and routes every transaction through coding, approvals, and sync to your accounting or property management software.

The product targets contractors, property managers, service companies, and bookkeepers who need job-level visibility without forcing a card switch or month-end receipt chase. Clyr handles card spend, vendor bills, reimbursements, and mileage in one workflow, with two-way integrations to platforms like QuickBooks, Xero, Buildium, ServiceTitan, Jobber, Guesty, and Procore.

Behind the scenes, user-defined coding rules and machine learning trained on your ledger history assign GL accounts, jobs, and properties automatically. Approval policies route bills, card charges, and reimbursements by amount, vendor, or spender, so finance teams review exceptions instead of rebuilding books at month end.

Reflexivity bundles licensed market data, filings, and research agents into one workspace for asset managers, hedge funds, and other institutional teams. Knabble, Inc. operates the product; visiting toggle.ai redirects to reflexivity.com, where sales demos gate access rather than self-serve signup.

Unlike consumer finance chatbots, Reflexivity pulls feeds from S&P Global, LSEG Datastream, Cboe, Nasdaq, Dow Jones, Benzinga, EDGAR, and other licensed providers with no separate data contracts. Its Deep Research agents write and execute Python against those feeds, and the platform is engineered to flag uncertainty rather than guess when source data is missing.

Six modules cover the core workflow: Deep Research for autonomous code-driven analysis, a Knowledge Graph for relationship mapping, Portfolio Insights with real-time alerts, Scenario Analysis with 50+ years of history, Document Intelligence for filings and transcripts, and Smart Screening across 40,000+ global securities. Platform access and API integration both route through contact sales, not listed plan prices.

The leadership team includes former Lombard Odier portfolio managers Jan Szilagyi (CEO) and Giuseppe Sette (President), plus technologists from Kensho and other fintech firms. Backers listed on the site include SoftBank, General Catalyst, Greycroft, MUFG, and Interactive Brokers.