What wealthAPI does

wealthAPI is a Berlin-based B2B SaaS fintech providing regulatory-compliant banking and brokerage data infrastructure for Open Finance and AI applications. The company operates a 360-degree wealth data API that aggregates, normalizes, and reconciles portfolio data from 3,500+ connected banks and brokers across Germany and Austria, covering accounts, cash, securities, funds, ETFs, insurance, real estate, and crypto wallets. The platform is BaFin-licensed as an account information service under PSD2/AISP and ISO 27001 certified, positioning it as a regulated data substrate for financial institutions, fintech platforms, brokers, asset managers, family offices, consultants, and financial content publishers. The company originated as a 2023 spin-off from Rentablo GmbH (founded 2014) and is led by co-founders André Rabenstein (CEO) and Dr. Wolfram Stacklies (CTO), with Susanne Krehl as Chief Growth Officer.

The core product, wealthAPI Daten, delivers standardized portfolio aggregation and performance data through a public API with free sandbox access. This is extended through modular add-ons: Banking Insights and Investment Insights provide ready-made tools for budgeting, contract analytics, portfolio tracking, and dividend planning, while the AI Suite offers Product Recommender, Portfolio Simulator, and Scenario Analysis capabilities built on the structured data foundation. Infrastructure is built on IBM watsonx.data and Google Cloud BigQuery, supporting ~26 million daily API requests at 99.98% uptime.

The business model is subscription-based recurring SaaS with per-active-user pricing. The published base subscription runs approximately €4,500/month for up to 10,000 users, with optional topic modules at incremental per-user costs and custom enterprise pricing above 50,000 users including dedicated SLAs and bring-your-own-data options. Go-to-market combines self-serve developer onboarding with sales-assisted enterprise engagement, currently focused on the DACH market with stated plans to expand across Europe following FiDA regulation.

Name

wealthAPI

Legal name

wealthAPI GmbH

Website

https://wealthapi.eu

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

wealthAPI is a BaFin-licensed Berlin-based B2B SaaS fintech providing regulated banking and brokerage data infrastructure, aggregating normalized portfolio data from 3,500+ institutions via API for fintechs, banks, brokers, and asset managers across Germany and Austria.

Ownership category

akta.pro rank

Product category

Financial Data Infrastructure

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

akta.pro secondary industries

Automated Rebalancing, Tax-Loss Harvesting & Tax-Optimized Investing Tools (FSAGAEAE), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Financial data API
• Open banking infrastructure
• Wealth data aggregation
• Account information service
• AI-driven finance

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations

Revenue model

1. wealthAPI Data Subscription: Base platform subscription with per-user pricing. Base fee of €1,000/month plus €0.35 per active user per month for up to 10,000 users, totaling approximately €4,500/month. Optional topic modules available as add-ons.
2. Custom Enterprise Solution: Custom pricing for volume deployments exceeding 50,000 active users, including dedicated SLAs, enterprise support, data warehousing, bring-your-own-data infrastructure, and custom integrations. Billed separately as custom modules and one-off setup fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

wealthAPI is a B2B SaaS platform that provides regulatory-compliant banking and brokerage data infrastructure. It aggregates, normalizes, and reconciles financial data from 3,500+ connected banks and brokers, exposing it through APIs to fintech platforms, banks, brokers, asset managers, and financial publishers. The core data layer is extended with add-on modules for cashflow analysis, portfolio tracking, dividend planning, and AI-powered product recommendations, portfolio simulation, and scenario analysis.

Product overview

wealthAPI operates as a modular B2B SaaS platform providing regulatory-compliant banking and brokerage data infrastructure for Open Finance and AI applications. The core offering is wealthAPI Daten, which aggregates and normalizes financial data from 3,500+ connected banks and brokers, serving as the foundational data layer. This core product is extended through add-on modules: Banking Insights (budget planning and contract analysis) and Investment Insights (portfolio tracking and dividend planning) provide ready-made financial tools, while the AI Suite delivers personalized product recommendations, portfolio simulation, and scenario analysis capabilities. The Intelligence Layer addresses enterprise needs with data warehousing and custom integration options. All components are modular, BaFin-regulated, and production-ready for seamless integration.

Differentiator

Problem solved

Functional benefit

Products and services

• wealthAPI Daten (wealthAPI Data)
• Banking Insights
• Investment Insights
• AI Suite
• Intelligence Layer

Quantifiable outcome

• 99.98% API uptime over rolling 90-day period
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature9 records

Partnerships

Two partnerships are on record, tiered core infrastructure.

• IBMcore infrastructureTechnology or IntegrationwealthAPI utilizes IBM watsonx.data as part of its technology stack for building real-time, AI-driven financial analytics platforms. The integration supports high data quality, scalability, and security for wealth data processing.
• Google Cloud BigQuerycore infrastructureTechnology or IntegrationwealthAPI leverages Google Cloud BigQuery as a core component of its data infrastructure for scalable financial analytics processing. The platform's architecture separates workloads and incorporates AI-ready features to handle demand spikes.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Salt Edge: PSD2/open banking connectivity provider offering account aggregation, data enrichment, and bank API connectivity across Europe. Comparable B2B SaaS model serving financial institutions and fintechs with similar regulatory-grade data services.
• Yapily: European open banking API platform enabling account information and payment initiation services across multiple countries. Similar B2B SaaS model targeting fintechs and financial institutions with PSD2 connectivity.
• Tink (Visa): European open banking platform owned by Visa, offering PSD2 account aggregation and financial data APIs across multiple European markets. Directly comparable product offering (B2B PSD2/AISP data infrastructure) and overlap with wealthAPI's target buyer base of banks, fintechs, and financial platforms.
• FintecSystems: German PSD2/open banking specialist providing multi-bank data aggregation and analytics APIs to financial institutions. Direct competitor in the German market with overlapping customer base of banks, lenders, and fintech platforms.
• TrueLayer: UK-based open banking platform providing account aggregation and payment initiation APIs to fintechs and merchants. Comparable product architecture (PSD2 AISP) and target market, though stronger in UK than DACH.
• Finleap Connect (a Figg acquisition): Berlin-based open banking and financial data infrastructure provider serving European banks and fintechs. Same geographic base (Berlin), same regulatory environment (BaFin), and comparable B2B API aggregation offering.
• figo (Sopra Banking Software): German PSD2-compliant banking API platform, originally independent and now part of Sopra Banking Software. Directly comparable account aggregation and PSD2 infrastructure offering, with shared German market focus.

Emerging players

• Plaid: US-founded financial data aggregation leader actively expanding into Europe. Comparable API-first B2B model connecting bank accounts to apps; although newer to DACH, represents the global benchmark wealthAPI competes against as it expands beyond Germany and Austria.
• Akoya: Open banking data access platform backed by major European banks (Société Générale, BNP Paribas, HSBC, etc.). Provides standardized bank API connectivity in Europe, with some overlap to wealthAPI's PSD2 aggregation services, though bank-led rather than independent.

Broad incumbents

• MX Technologies: US-based financial data platform offering account aggregation, data cleansing, and money management tools to financial institutions at scale. Broader portfolio and larger scale than wealthAPI, but overlapping capability in normalized financial data APIs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/wealthapi

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about wealthAPI