WealthKernel

WealthKernel is a UK- and EU-regulated digital investing infrastructure provider that offers "investing as a service" through a single REST API. It supplies the building blocks fintechs, wealth managers and established businesses need to launch digital investing propositions: client onboarding with KYC/AML, tax-wrapper accounts (GIA, ISA, JISA, SIPP), account funding (BACS, CHAPS, open banking, direct debits), custody as a licensed UK custodian, fractional and multi-currency trading, portfolio management and rebalancing, cash savings, transfers, valuations, performance reporting and FCA transaction reporting. WealthKernel is authorised and regulated by the Financial Conduct Authority (FRN 723719), registered with Spain's CNMV, and ISO 27001:2022 certified. The API is documented on Stoplight and secured with OAuth2 client-credentials via an OpenID Connect authorization server, with sandbox and production environments, webhooks and documented idempotency, pagination and eventual-consistency conventions.

WealthKernel is listed with 1 API on the APIs.io network. Tagged areas include Company, Investing, Wealth Management, Brokerage, and Custody.

The WealthKernel catalog on APIs.io includes 1 event-driven AsyncAPI specification.

WealthKernel’s developer surface includes documentation, API reference, getting-started guide, engineering blog, signup flow, support, authentication, and 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

44.4/100 developing ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

AccessSelf serve

1 API

Company Investing Wealth Management Brokerage Custody FintechInvestment APIEmbedded Finance ISASIPPBanking as a Service United Kingdom Europe

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 44.4/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 7.2 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 3.5 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 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

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/wealthkernel: open an issue to ask a question, or submit a pull request to add artifacts. 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
Asset and Wealth Management	undeclared	-	-	-

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.

APIs 1

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

WealthKernel API

All-in-one REST API for digital investing: onboarding, accounts (GIA/ISA/JISA/SIPP), funding, custody, trading, portfolio management, transfers, cash savings, valuations, perfor...

Event Specifications 1

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

Wealthkernel Webhooks

ASYNCAPI

Security Posture 2

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

Wealthkernel Authentication

oauth2/openIdConnect · 1 scheme

SECURITY

Wealthkernel Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

Lifecycle

Webhooks

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

OpenIDConnect

OpenIDConnect

Source (apis.yml)

aid: wealthkernel
name: WealthKernel
description: 'WealthKernel is a UK- and EU-regulated digital investing infrastructure provider that offers "investing as a
  service" through a single REST API. It supplies the building blocks fintechs, wealth managers and established businesses
  need to launch digital investing propositions: client onboarding with KYC/AML, tax-wrapper accounts (GIA, ISA, JISA, SIPP),
  account funding (BACS, CHAPS, open banking, direct debits), custody as a licensed UK custodian, fractional and multi-currency
  trading, portfolio management and rebalancing, cash savings, transfers, valuations, performance reporting and FCA transaction
  reporting. WealthKernel is authorised and regulated by the Financial Conduct Authority (FRN 723719), registered with Spain''s
  CNMV, and ISO 27001:2022 certified. The API is documented on Stoplight and secured with OAuth2 client-credentials via an
  OpenID Connect authorization server, with sandbox and production environments, webhooks and documented idempotency, pagination
  and eventual-consistency conventions.'
url: https://raw.githubusercontent.com/api-evangelist/wealthkernel/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://cdn.prod.website-files.com/60dee70f5b4eb4b1921e29e2/69e72e3dbb1f3b0c28b179ca_WK_Logo_2026_Light.svg
x-docs-platform: stoplight
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Company
- Investing
- Wealth Management
- Brokerage
- Custody
- Fintech
- Investment API
- Embedded Finance
- ISA
- SIPP
- Banking as a Service
- United Kingdom
- Europe
apis:
- name: WealthKernel API
  description: 'All-in-one REST API for digital investing: onboarding, accounts (GIA/ISA/JISA/SIPP), funding, custody, trading,
    portfolio management, transfers, cash savings, valuations, performance and reporting. OAuth2 client-credentials auth,
    date-based versioning, webhooks and idempotency.'
  humanURL: https://docs.wealthkernel.com/docs/api/getting-started
  baseURL: https://api.wealthkernel.io
  tags:
  - Investing
  - Brokerage
  - Custody
  - Portfolio Management
  tags_raw:
  - Investing
  - Brokerage
  - Custody
  - Portfolio Management
  - Portfolio-Management
  properties:
  - type: Documentation
    url: https://docs.wealthkernel.com/
  - type: APIReference
    url: https://docs.wealthkernel.com/docs/api/2021-05-17
  - type: GettingStarted
    url: https://docs.wealthkernel.com/docs/api/getting-started
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/wealthkernel-domain-security.yml
- type: Website
  url: https://www.wealthkernel.com
- type: DeveloperPortal
  url: https://docs.wealthkernel.com/
- type: Documentation
  url: https://docs.wealthkernel.com/
- type: APIReference
  url: https://docs.wealthkernel.com/docs/api/2021-05-17
- type: GettingStarted
  url: https://docs.wealthkernel.com/docs/api/getting-started
- type: Blog
  url: https://www.wealthkernel.com/blog
- type: GitHubOrganization
  url: https://github.com/wealthkernel
- type: SignUp
  url: https://www.wealthkernel.com/enquiries
- type: Support
  url: https://www.wealthkernel.com/enquiries
- type: PrivacyPolicy
  url: https://www.wealthkernel.com/privacy-policy
- type: TermsOfService
  url: https://www.wealthkernel.com/policies
- type: StatusPage
  url: https://status.wealthkernel.com
- type: Compliance
  url: https://www.wealthkernel.com/regulatory
- type: Authentication
  url: authentication/wealthkernel-authentication.yml
- type: Conventions
  url: conventions/wealthkernel-conventions.yml
- type: Idempotency
  url: conventions/wealthkernel-conventions.yml
- type: Lifecycle
  url: lifecycle/wealthkernel-lifecycle.yml
- type: Webhooks
  url: asyncapi/wealthkernel-webhooks.yml
- type: Sandbox
  url: sandbox/wealthkernel-sandbox.yml
- type: Conformance
  url: conformance/wealthkernel-conformance.yml
- type: WellKnown
  url: well-known/wealthkernel-well-known.yml
- type: OpenIDConnect
  url: well-known/wealthkernel-openid-configuration.json
- type: DataModel
  url: data-model/wealthkernel-data-model.yml
- type: LLMsTxt
  url: llms/wealthkernel-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 12
  pass: local-v1

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