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 publishes 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 📡 Source on GitHub
42.8/100 thin ▬ flat Agent 28/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs
CompanyInvestingWealth ManagementBrokerageCustodyFintechInvestment APIEmbedded FinanceISASIPPBanking as a ServiceUnited KingdomEurope

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 42.8/100 · thin
Contract Quality 5.7 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 3.8 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 28/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
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
Conventions
 Idempotency
Idempotency
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 Conformance
Conformance
 DataModel
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)

apis.yml Raw ↑ 
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
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: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
image: https://cdn.prod.website-files.com/60dee70f5b4eb4b1921e29e2/69e72e3dbb1f3b0c28b179ca_WK_Logo_2026_Light.svg
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
  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