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I don't know if it would help, but I use Mountain Duck ($) to map cloud storage as a network drive.

Would be fine with payware, but sadly that is not how ynab sync is done :/ I have nextcloud and tried syncing the YNAB files directly, but that just breaks tons of things.

I've used odrive since it launched, and have never installed any native sync tools since. It's exactly what I want cloud sync to be.

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