What Wealthica does

Wealthica Financial Technology Inc., founded in 2015 in Montreal, operates a financial data aggregation platform that consolidates retail and institutional account information across 20,000+ financial institutions worldwide, with particular depth in the 150+ Canadian institutions it supports natively. Its technology stack combines proprietary API-first Core Connectors with an Expand collection powered by Yodlee/Envestnet and Plaid, a wholly-owned Vezgo subsidiary for 500+ crypto exchanges and wallets, AWS-hosted infrastructure, and AES-256/TLS 1.2 encryption under SOC 2 Type II. The product surface spans a consumer web and mobile dashboard, white-label Institutional and Family Office editions, an Advisor collaboration portal, the Wealthica Investment REST/JSON API with Node.js SDK and drop-in Connect Widget, the open-source Wealthica.js developer library, and the Power-Ups marketplace (Passiv Lite, Wealthscope, Google Sheets, Excel, Yahoo Finance, Dividend Investor).

The company monetizes through four interlocking revenue streams: tiered consumer subscriptions from Free (manual tracking) through Connect ($6.25/mo), Unlimited Connect ($9.99/mo), Premium ($19.99/mo), and Prestige ($29.99/mo) with annual billing offering 33–37% discounts; Family Office subscriptions at $250/month for Basic with multi-year agreements and custom Advanced pricing; custom enterprise pricing for Advisors and Institutional white-label deployments; and B2B API agreements with fintechs, brokerages, lenders, and wealth platforms. Distribution is hybrid: product-led self-serve sign-up with a 14-day free trial for consumers, direct enterprise sales for Family Office, Advisor, and Institutional segments, and developer self-service plus sales outreach for the Investment API. The company also owns and operates Stockchase, a DIY-investor stock-picking reference site acquired in 2017, which feeds top-of-funnel traffic into Wealthica.

Wealthica serves a hybrid customer base spanning individual DIY investors, financial advisors and wealth managers, Canadian family offices, institutional partners (banks, brokerages, credit unions), fintech developers, and named enterprise accounts including Wealthsimple, Questrade, Flinks, IQEQ, Eton, and Kaira. The business is privately held and bootstrapped — no venture funding rounds are disclosed — operating with 11–50 employees across Montreal headquarters and a Toronto office, with an active US-market expansion in Beta and a regulatory posture aligned to Canada's Bill C-15 Consumer-Driven Banking framework and FDX API standards.

Name

Wealthica

Legal name

Wealthica Financial Technology Inc.

Website

https://wealthica.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Wealthica is a Canadian financial data aggregation platform connecting individual investors, advisors, family offices, institutions, and fintechs to 20,000+ financial institutions via subscription SaaS, white-label dashboards, and a developer-facing Investment API.

Ownership category

akta.pro rank

Product category

Financial Data Aggregation and Wealth Management Software

NAICS

Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282), Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Net Worth & Personal Balance Sheet Tracking (FSAGADAF)

akta.pro secondary industries

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH), Financial Planning & Goals-Based Advice (Mass Affluent) (FSAAAAAF)

Keywords

• Financial data aggregation
• Investment tracking software
• Portfolio management platform
• Open banking API
• Wealth management dashboard

Headquarters

HQ city

Montréal

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Individual Subscription Plans: Tiered subscription model for individual investors with monthly or annual billing. Plans range from free (manual tracking) to premium tiers offering unlimited connections, automated syncing, advanced reporting, and budget tools. Revenue generated through recurring subscription fees with annual discount incentives.
2. Family Office Enterprise: Enterprise pricing for Family Office segment at $250/month for Basic tier with custom pricing for Advanced tier. Includes dedicated portal, unlimited connections, advanced reports, and personalized support.
3. Advisor and Institutional Solutions: Custom enterprise pricing for financial advisors and institutional partners. Includes whitelabel dashboard options, custom connectivity, enhanced reporting, and personalized follow-ups.
4. Investment API for Developers: B2B API access for fintech developers and financial institutions. Revenue generated through API usage agreements with custom pricing based on volume and integration scope. Contact-based sales for enterprise API access.
5. Power-Up Add-ons: Additional premium features including Google Sheets export ($5.99/month standalone), Microsoft Excel export, and Wealthscope plugin ($15.95/month). Some power-ups included free in premium tiers.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels10 records

Core offering

Wealthica is a financial data aggregation platform that connects to 20,000+ financial institutions worldwide (including 150+ Canadian brokerages and 500+ crypto exchanges via its Vezgo subsidiary), letting users link all banking, investment, and crypto accounts into a single dashboard with net worth tracking, portfolio analysis, capital gains (ACB) reporting, budgeting, and unlimited transaction history. The company also sells a Wealthica Investment API and white-label Enterprise editions for Family Offices, Financial Advisors, and Institutional Partners, enabling fintechs and banks to embed aggregation into their own products.

Product overview

Wealthica operates as a modular financial data aggregation platform anchored by the Wealthica consumer app, with specialized editions for Family Office, Advisor, and Institutional Partner segments. The platform connects to 20,000+ financial institutions worldwide and 500+ crypto exchanges via Vezgo (the company's 'Plaid of Crypto' digital assets API). Developers can extend the platform using the open-source Wealthica.js library or integrate via the Wealthica Investment API. Complementary products include Stockchase for stock recommendations and a marketplace of Power-Ups including Wealthscope analytics, Google Sheets/Excel exports, Passiv Lite rebalancing, and Dividend Investor tracking. White-label deployments are available for institutional partners and family offices.

Differentiator

Problem solved

Functional benefit

Brands

• Vezgo: Web3 and Cryptocurrency Data API - described as 'The Plaid of Crypto' enabling connection to cryptocurrency exchanges, blockchains, and wallets
• Wealthica Connect
• Wealthica Power Ups

Products and services

• Wealthica Consumer Dashboard A consumer investment and budgeting web dashboard that aggregates financial data from 20,000+ institutions worldwide to deliver a unified view of net worth, portfolio holdings, transactions, capital gains and budgets for individual investors. Available via self-serve signup with five subscription tiers from Free to Prestige ($29.99/month).
• Wealthica Family Office Edition A dedicated dashboard for family offices that consolidates reporting, asset inventory, generational wealth transfer, and financial data sharing across family members and custodians, including family balance sheets, net worth tracking, and QuickBooks Online export.
• Wealthica Advisor A sales-led client collaboration and advisory platform that gives financial advisors a 360-degree shared view of client portfolios, deliver comprehensive reports, and provide personalized financial advice with full net worth visibility and whitelabel dashboard options.
• Wealthica Institutional Partner A white-label wealth aggregation dashboard for banks, brokerages, credit unions, and financial institutions, branded under the institution's identity, providing a 360-degree view of client finances and supporting open banking (Bill C-15 / FDX) compliance.
• Wealthica Investment API A REST/JSON API and Node.js SDK providing fintech developers and financial institutions with aggregated investment data access across 150+ Canadian financial institutions, brokerages, and investment platforms. Includes a drop-in Connect Widget for white-label bank MFA flows, targeting fintechs, brokerages, lending, and open banking compliance use cases.
• Vezgo Crypto Data API A Web3 and cryptocurrency data aggregation API branded as 'The Plaid of Crypto', connecting to 500+ cryptocurrency exchanges, blockchains, and wallets, including WalletConnect support across 150+ blockchain networks, to power digital asset tracking within the Wealthica ecosystem.
• Stockchase A reference website for DIY investors compiling top stock picks from leading fund managers and market analysts, owned and operated by Wealthica. Users can import their Stockchase watchlist into Wealthica, and Premium subscribers receive a 75% discount on Stockchase Premium.
• Wealthica Mobile Apps (iOS and Android) Native iOS and Android mobile applications that mirror the core web dashboard functionality, allowing users to track net worth, view holdings, monitor transactions, and manage budgets on the go. Distributed via the Apple App Store and Google Play Store.
• Wealthica Power-Ups Marketplace A marketplace of add-on features extending Wealthica's core functionality, including portfolio analytics (Wealthscope, $15.95/month), Google Sheets export ($5.99/month standalone), Microsoft Excel export, portfolio rebalancing (Passiv Lite), dividend tracking (Dividend Investor $9.99/year), and more.
• Wealthica.js Developer SDK An open-source JavaScript library enabling third-party developers to build custom Power-Ups, extensions, and features for the Wealthica Web App ecosystem, available on GitHub for review and publication in the Power-Up section.

Quantifiable outcome

• 20,000+ financial institutions supported globally
• +3 more outcomes

Named customers11 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• Yodlee/EnvestnetcoreTechnology or IntegrationYodlee is a leading financial data aggregation platform used by hundreds of financial institutions. Wealthica's Expand collection of connectors is developed in partnership with Yodlee, providing access to additional financial institutions beyond Wealthica's native Core connectors. Yodlee is publicly traded and used by 9 of 15 largest US banks.
• PlaidcoreTechnology or IntegrationPlaid provides financial data connectivity infrastructure used by thousands of fintech applications. Wealthica's Expand collection includes Plaid-powered connectors for additional institution coverage, particularly for US financial institutions. Plaid has over a decade of experience connecting with financial institutions.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS provides cloud infrastructure hosting for Wealthica. AWS data centers are certified ISO 27001, SOC 2 (Type II), PCI DSS (Level 1), FISMA. Wealthica's team has over 20 years of experience in web hosting industry using AWS.
• VezgocoreTechnology or IntegrationVezgo is Wealthica's cryptocurrency and Web3 data API subsidiary, dubbed the 'Plaid of Crypto'. Provides connectivity to 500+ cryptocurrency exchanges, blockchains, and wallets. Vezgo powers digital asset aggregation within the Wealthica ecosystem.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Monarch Money: Subscription-based financial aggregation and budgeting app that emerged after Mint's shutdown. Competes with Wealthica on the consumer net-worth dashboard use case, primarily in the US.

Direct peers

• PocketSmith: Personal finance and budgeting platform with bank aggregation and forecasting features. Direct consumer-product peer to Wealthica's net-worth tracking and budgeting offering.
• Finicity (Mastercard): Open banking platform acquired by Mastercard offering account aggregation, verification, and cash-flow analytics APIs. Direct competitor in financial data connectivity and API infrastructure.
• Yodlee (Envestnet): Long-established financial data aggregation platform serving hundreds of institutions including 9 of the 15 largest US banks. Direct competitor in aggregation infrastructure and a Wealthica Expand partner.
• Salt Edge: Open banking API platform offering account aggregation, PSD2 connectivity, and data analytics to banks and fintechs globally. Comparable as a developer-first aggregation API peer to Wealthica Investment API.
• Empower (Personal Capital): Consumer-facing net-worth and investment tracking dashboard with combined wealth-management services. Closest US consumer-product peer to Wealthica's personal dashboard and budgeting tools.
• Plaid: Leading financial data aggregation platform connecting bank, investment, and lending data via APIs. Direct competitor in the aggregation/infrastructure layer, with whom Wealthica also has a partnership for Expand connectors.
• MX (Mastercard): Financial data platform offering account aggregation, connectivity, and money management APIs to financial institutions and fintechs. Direct competitor in open banking and aggregation infrastructure.
• Flinks: Canadian financial data aggregation API serving fintechs, lenders, and wealth platforms. Most direct Canadian peer — also listed as a Wealthica API partner/customer, indicating tight competitive overlap in the same niche.

Broad incumbents

• Intuit Mint: Legacy consumer budgeting and aggregation product owned by Intuit. While Mint has been sunset in the US, Credit Karma (also Intuit) competes in the consumer financial dashboard space Wealthica addresses.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/wealthica
• GitHubgithub.com/wealthica
• YouTubeyoutube.com/@wealthica
• Facebookfacebook.com/wealthica
• LinkedInlinkedin.com/company/wealthica

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Wealthica