# WealthKernel

**Canonical:** https://apis.io/providers/wealthkernel/  
**Website:** https://www.wealthkernel.com  
**APIs profiled:** 1

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.

## Kin Score — 47.9 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 47.9).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 32.9 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (2)

- **Wealthkernel Authentication** — oauth2/openIdConnect · 1 scheme
- **Wealthkernel Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Investing, Wealth Management, Brokerage, Custody, Fintech, Investment API, Embedded Finance, ISA, SIPP, Banking as a Service, United Kingdom, Europe

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/wealthkernel/). Scores are computed from the provider's own public artifacts under a published rubric.