Wealth Reader

Read-only bank aggregation API: accounts, transactions, cards, loans, deposits and investment portfolios from banks, brokers and asset managers in 61 countries, over both the PSD2 regulatory channel and a non-PSD2 channel that returns wealth data the regulatory APIs do not expose.

Wealth Reader publishes 3 API contracts indexed on the APIs.io network: Advanced API, Cards (real time) API, and Core API. Tagged areas include Bank Aggregation, Open Banking, PSD2, Financial Data, and Account Aggregation.

The Wealth Reader catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Wealth Reader’s developer surface includes documentation, signup flow, engineering blog, API reference, getting-started guide, support, pricing, and 41 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

69.4/100 exemplar ▬ flat Agent 42/100 agent ready Front door AI 1/6 silent Heartbeat 98/100 alive saas Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

AccessPaid

2 published contracts 1 MCP Servers 4 Agent Skills

Bank AggregationOpen Banking PSD2 Financial Data Account AggregationInvestment PortfoliosWealth Management Banking Fintech Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 69.4/100 · exemplar

Contract Quality 13.1 / 19

Developer Ergonomics 12.4 / 15

Access Clarity 12.2 / 15

Operational Transparency 4.9 / 10

Contract Governance 3.2 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 42/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)

4 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Governance scores 35.6 — up to +7.7 composite points
Contract Quality scores 70.0 — up to +7.5 composite points
Operational Transparency scores 50.0 — up to +6.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/wealth-reader/apis.yml: open an issue on github.com/api-evangelist/wealth-reader to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Open Banking	regulated	55.6	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	55.6	-	-
Spanish CNMV and Banco de Espana Registers (investment firms, fund managers, crowdfunding, payment institutions)	regulated	55.6	-	-
APIs.guru OpenAPI Directory (API definition directory)	regulated	55.6	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

OpenAPI

measured — observed by APIs.io (published)

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

Wealth Reader Advanced API

Optional endpoints not required for standard integrations. Use only if explicitly instructed by Wealth Reader.

Wealth Reader Cards (real time) API

Real-time card expense synchronization from the Open Sync mobile app: per-customer employee pre-registration, signed webhooks (card_transaction.created / card_enrollment.confirm...

Wealth Reader Core API

Core API required for standard integrations

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

ALL WR Toolkit MCP server

Local (stdio) MCP server requiring an API key; 11 tools listed.

MCP SERVER

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

wealth-reader-manage-tokens

AGENT SKILL

wealth-reader-onboard-widget-integration

AGENT SKILL

wealth-reader-read-financial-assets

AGENT SKILL

wealth-reader-realtime-card-transactions

AGENT SKILL

Pricing Plans 2

Published pricing tiers and plan structures.

Wealth Reader Plans Pricing

6 plans

PLANS

Wealth Reader Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Wealth Reader Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Wealth Reader Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Wealth Reader Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Wealth Reader Context

27 classes · 104 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Wealth Reader API Rules

14 rules · 12 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Wealth Reader Api For Ai Overlay

11 actions · documentation · wealth-reader-api-for-ai.yaml

GENERATED

JSON Schema 10

Standalone JSON Schema definitions for this provider's data models.

batch-connection

15 properties

JSON SCHEMA

cards-enrollment-response

2 properties

JSON SCHEMA

cards-transaction

15 properties

JSON SCHEMA

category-types

0 properties

JSON SCHEMA

check-user-response

4 properties

JSON SCHEMA

entities

6 properties

JSON SCHEMA

entity-data

3 properties

JSON SCHEMA

register-user-request

4 properties

JSON SCHEMA

statistics

5 properties

JSON SCHEMA

warning-error-codes

0 properties

JSON SCHEMA

Scroll for all 10

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Wealth Reader Authentication

5 schemes

SECURITY

Wealth Reader Domain Security

TLSv1.3 · DMARC

SECURITY

Wealth Reader Vulnerability Disclosure

Hackerone

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Wealth Reader Agentic Access

20 operations · 12 acting · 2 human-in-the-loop

20 operations · 12 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

SignUp

DeveloperPortal

GettingStarted

Sandbox

Documentation 4

Reference material describing how the API behaves

Documentation

OpenAPI

OpenAPI

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

MCPServer

AgentSkill

Design & Contract 12

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Conventions

Idempotency

ErrorCatalog

ErrorCodes

Lifecycle

Conformance

Components

DataModel

Webhooks

Scroll for all 12

Build 6

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

GitHubOrganization

Postman

Packages

CLI

ToolCrosswalk

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

Authentication

Compliance

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

Operate 3

Status, limits, changes, and where to get help

Deprecation

Deprecation

Support

Support

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Pricing

Pricing

Plans

Plans

Company 4

The organization behind the API

Newsroom

BlogRSS

Website

Blog

Other 3

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Overlay

Overlay

Source (apis.yml)

name: Wealth Reader
description: 'Read-only bank aggregation API: accounts, transactions, cards, loans, deposits and investment portfolios from
  banks, brokers and asset managers in 61 countries, over both the PSD2 regulatory channel and a non-PSD2 channel that returns
  wealth data the regulatory APIs do not expose.'
url: https://raw.githubusercontent.com/api-evangelist/wealth-reader/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  license_evidence:
    not_product:
    - wealth-reader/wealthreader-api-docs
  open_source: unknown
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: low
  source:
  - openapi
  - pricing
  - repository-not-product
  generated: '2026-09-25'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-02'
  method: derived
created: '2026-08-24'
modified: '2026-10-06'
specificationVersion: '0.23'
tags:
- Bank Aggregation
- Open Banking
- PSD2
- Financial Data
- Account Aggregation
- Investment Portfolios
- Wealth Management
- Banking
- Fintech
- Data Aggregation
maintainers:
- FN: Wealth Reader S.L.
  email: support@wealthreader.com
  url: https://www.wealthreader.com/
  X-linkedin: https://www.linkedin.com/company/wealthreader/
image: https://www.wealthreader.com/i/wealthreader.svg
x-source:
  apis_json: https://www.wealthreader.com/apis.json
  fetched: '2026-09-03'
  via: api-search/inbox#13, submitted by the provider
  note: Merged from the descriptor the provider serves on their own domain. Only the self url was re-pointed at this record.
common:
- type: AgenticAccess
  url: agentic-access/wealth-reader-agentic-access.yml
- type: Spectral
  url: rules/wealth-reader-rules.yml
- type: JSONLD
  url: json-ld/wealth-reader-context.jsonld
- type: Vocabulary
  url: vocabulary/wealth-reader-vocabulary.yml
- type: Deprecation
  url: lifecycle/wealth-reader-lifecycle.yml
- type: Hosts
  url: hosts/wealth-reader-hosts.yml
- type: Vendors
  url: vendors/wealth-reader-vendors.yml
- type: SDKs
  url: packages/wealth-reader-packages.yml
- type: Newsroom
  url: https://www.wealthreader.com/en/about-wealth-reader/press/
- url: https://blog.wealthreader.com/feed/
  type: BlogRSS
- type: Website
  url: https://www.wealthreader.com/
- type: DomainSecurity
  url: security/wealth-reader-domain-security.yml
- type: Documentation
  url: https://www.wealthreader.com/docs/
- type: SignUp
  url: https://www.wealthreader.com/en/pricing/
- type: Blog
  url: https://blog.wealthreader.com/
- type: PrivacyPolicy
  url: https://www.wealthreader.com/es/politica-privacidad/
- type: OpenAPI
  url: openapi/_original/wealth-reader-api-for-ai.yaml
- type: OpenAPI
  url: openapi/_original/wealth-reader-api.yaml
- type: Overlay
  url: overlays/wealth-reader-api-for-ai-overlay.yaml
- type: DeveloperPortal
  url: https://www.wealthreader.com/docs/
- type: APIReference
  url: https://www.wealthreader.com/api-reference/en/
- type: GettingStarted
  url: https://www.wealthreader.com/docs/en/introduction/
- type: GitHubOrganization
  url: https://github.com/Wealth-Reader
- type: Support
  url: https://help.wealthreader.com/
- type: Pricing
  url: https://www.wealthreader.com/en/pricing/
- type: Postman
  url: https://www.postman.com/wealtreader/wealth-reader-api-definition/overview
- type: LLMsTxt
  url: llms/wealth-reader-llms.txt
- type: Authentication
  url: authentication/wealth-reader-authentication.yml
- type: Conventions
  url: conventions/wealth-reader-conventions.yml
- type: Idempotency
  url: conventions/wealth-reader-conventions.yml
- type: ErrorCatalog
  url: errors/wealth-reader-problem-types.yml
- type: ErrorCodes
  url: https://api.wealthreader.com/error-codes/
- type: RateLimits
  url: rate-limits/wealth-reader-rate-limits.yml
- type: Plans
  url: plans/wealth-reader-plans-pricing.yml
- type: Lifecycle
  url: lifecycle/wealth-reader-lifecycle.yml
- type: Conformance
  url: conformance/wealth-reader-conformance.yml
- type: Compliance
  url: conformance/wealth-reader-conformance.yml
- type: Security
  url: security/wealth-reader-vulnerability-disclosure.yml
- type: VulnerabilityDisclosure
  url: security/wealth-reader-vulnerability-disclosure.yml
- type: Sandbox
  url: sandbox/wealth-reader-sandbox.yml
- type: Components
  url: components/wealth-reader-components.yml
- type: DataModel
  url: data-model/wealth-reader-data-model.yml
- type: Packages
  url: packages/wealth-reader-packages.yml
- type: CLI
  url: cli/wealth-reader-cli.yml
- type: MCPServer
  url: mcp/wealth-reader-mcp.yml
- type: ToolCrosswalk
  url: mcp/wealth-reader-tool-crosswalk.yml
- type: Webhooks
  url: asyncapi/wealth-reader-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
apis:
- aid: wealth-reader:wealth-reader-advanced-api
  name: Wealth Reader Advanced API
  description: Optional endpoints not required for standard integrations. Use only if explicitly instructed by Wealth Reader.
  humanURL: https://www.wealthreader.com/docs/en/introduction/
  baseURL: https://api.wealthreader.com/
  tags:
  - Advanced
  properties:
  - type: OpenAPI
    url: openapi/wealth-reader-advanced-api-openapi.yml
  - type: Documentation
    url: https://www.wealthreader.com/docs/en/introduction/
  - type: InteractiveDocumentation
    url: https://www.wealthreader.com/api-reference/en/
  - type: Postman
    url: https://www.postman.com/wealtreader/wealth-reader-api-definition/overview
  - type: Repository
    url: https://github.com/Wealth-Reader/wealthreader-api-docs
  - type: LLMsTxt
    url: https://www.wealthreader.com/llms.txt
  - type: Pricing
    url: https://www.wealthreader.com/en/pricing/
  - type: SupportedInstitutions
    url: https://api.wealthreader.com/entities/
  - type: ErrorCodes
    url: https://api.wealthreader.com/error-codes/
  - type: Support
    url: https://help.wealthreader.com/
  - type: Authentication
    url: https://www.wealthreader.com/docs/en/iframe-integration-2-of-2-backend/
  - type: JSONSchema
    url: json-schema/wealth-reader-batch-connection-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-statistics-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-entities-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-entity-data-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-register-user-request-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-check-user-response-schema.json
- aid: wealth-reader:wealth-reader-cards-real-time-api
  name: Wealth Reader Cards (real time) API
  description: 'Real-time card expense synchronization from the Open Sync mobile app: per-customer employee pre-registration,
    signed webhooks (card_transaction.created / card_enrollment.confirmed), and REST query / backfill.'
  humanURL: https://www.wealthreader.com/docs/en/introduction/
  baseURL: https://api.wealthreader.com/
  tags:
  - Cards (real time)
  properties:
  - type: OpenAPI
    url: openapi/wealth-reader-cards-real-time-api-openapi.yml
  - type: Documentation
    url: https://www.wealthreader.com/docs/en/introduction/
  - type: InteractiveDocumentation
    url: https://www.wealthreader.com/api-reference/en/
  - type: Postman
    url: https://www.postman.com/wealtreader/wealth-reader-api-definition/overview
  - type: Repository
    url: https://github.com/Wealth-Reader/wealthreader-api-docs
  - type: LLMsTxt
    url: https://www.wealthreader.com/llms.txt
  - type: Pricing
    url: https://www.wealthreader.com/en/pricing/
  - type: SupportedInstitutions
    url: https://api.wealthreader.com/entities/
  - type: ErrorCodes
    url: https://api.wealthreader.com/error-codes/
  - type: Support
    url: https://help.wealthreader.com/
  - type: Authentication
    url: https://www.wealthreader.com/docs/en/iframe-integration-2-of-2-backend/
  - type: JSONSchema
    url: json-schema/wealth-reader-cards-transaction-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-cards-enrollment-response-schema.json
- aid: wealth-reader:wealth-reader-core-api
  name: Wealth Reader Core API
  description: Core API required for standard integrations
  humanURL: https://www.wealthreader.com/docs/en/introduction/
  baseURL: https://api.wealthreader.com/
  tags:
  - Core
  properties:
  - type: OpenAPI
    url: openapi/wealth-reader-core-api-openapi.yml
  - type: Documentation
    url: https://www.wealthreader.com/docs/en/introduction/
  - type: InteractiveDocumentation
    url: https://www.wealthreader.com/api-reference/en/
  - type: Postman
    url: https://www.postman.com/wealtreader/wealth-reader-api-definition/overview
  - type: Repository
    url: https://github.com/Wealth-Reader/wealthreader-api-docs
  - type: LLMsTxt
    url: https://www.wealthreader.com/llms.txt
  - type: Pricing
    url: https://www.wealthreader.com/en/pricing/
  - type: SupportedInstitutions
    url: https://api.wealthreader.com/entities/
  - type: ErrorCodes
    url: https://api.wealthreader.com/error-codes/
  - type: Support
    url: https://help.wealthreader.com/
  - type: Authentication
    url: https://www.wealthreader.com/docs/en/iframe-integration-2-of-2-backend/
  - type: JSONSchema
    url: json-schema/wealth-reader-entity-data-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-warning-error-codes-schema.json
  - type: JSONSchema
    url: json-schema/wealth-reader-category-types-schema.json
x-enrichment:
  date: '2026-10-12'
  status: enriched
  artifacts_added: 1
  pass: local-v5

Wealth Reader API — frequently asked questions

Does Wealth Reader have an API?

Yes. APIs.io lists 3 APIs from Wealth Reader, including Wealth Reader Advanced API, Wealth Reader Cards (real time) API and Wealth Reader Core API.

Is there an OpenAPI specification for the Wealth Reader API?

Yes. APIs.io indexes 3 OpenAPI specifications for Wealth Reader, each linked for download from this page.

How do I authenticate with the Wealth Reader API?

Wealth Reader uses bearer-token authentication (5 schemes). The details are profiled on APIs.io as Wealth Reader Authentication.

How much does the Wealth Reader API cost?

APIs.io lists 6 pricing plans for Wealth Reader, with each plan's price, limits and inclusions under Pricing Plans on this page.

Does Wealth Reader have an MCP server?

Yes. APIs.io lists 1 MCP server for Wealth Reader: Local (stdio) MCP server requiring an API key; 11 tools listed.

Is the Wealth Reader API ready for AI agents?

Wealth Reader has a Kin Score of 69.4 out of 100 (exemplar) and an Agent Readiness score of 42.2 (agent-ready), scored by API Evangelist on 2026-11-02.

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