[{"data":1,"prerenderedAt":642},["ShallowReactive",2],{"page:ca-en:investmentApi":3},{"lang":4,"urls":5,"meta":45,"header":54,"hero":136,"canadianBanner":144,"institutions":146,"features":148,"demoBanner":162,"sdk":165,"apiDocs":178,"security":182,"contact":193,"footer":209,"useCases":242,"pageHeader":604,"pageFooter":609,"pageUrls":630,"locale":638,"regionCode":638,"localization":4,"currentLanguage":638,"isEN":639,"isCAEN":640,"isFR":639,"enLanguageUrl":631,"caEnLanguageUrl":13,"frLanguageUrl":641},"en",{"hostname":6,"api":7,"app_url":8,"login":9,"signup":10,"team_map":11,"page_not_found":12,"home":13,"language_alternative_name":14,"security":15,"family_office":16,"advisor":17,"net_worth":18,"robo_advisors":19,"developers":20,"blog":21,"status":22,"terms":23,"privacy":24,"cookies":25,"about":26,"how_it_works":27,"pricing":28,"export_to_spreadsheet":29,"before_and_after":30,"budget":31,"partner":32,"advisor_insights":33,"management":34,"integrations":35,"contact_us":36,"knowledge":37,"updates":38,"apps":39,"wealthicaJs":42,"billyWealthica":43,"salesWealthica":44},"","https:\u002F\u002Fapp.wealthica.com\u002Fapi","https:\u002F\u002Fapp.wealthica.com","https:\u002F\u002Fapp.wealthica.com\u002Flogin?lang=en","https:\u002F\u002Fapp.wealthica.com\u002Fsign-up","https:\u002F\u002Fvezgo.com\u002Fmap\u002F","\u002F404","\u002Fca-en\u002F","FR","\u002Fca-en\u002Fsecurity\u002F","\u002Fca-en\u002Ffamily-office\u002F","\u002Fca-en\u002Fadvisor\u002F","\u002Fca-en\u002Fnet-worth\u002F","\u002Fca-en\u002Frobo-advisors\u002F","\u002Fca-en\u002Fdevelopers\u002F","https:\u002F\u002Fwealthica.com\u002Fblog\u002F","https:\u002F\u002Fstatus.wealthica.com\u002F","\u002Fca-en\u002Fterms\u002F","\u002Fca-en\u002Fprivacy-policy\u002F","\u002Fca-en\u002Fcookie-policy\u002F","\u002Fca-en\u002Fabout-us\u002F","\u002Fca-en\u002Fhow-it-works\u002F","\u002Fca-en\u002Fpricing\u002F","\u002Fca-en\u002Fexport-to-spreadsheet\u002F","\u002Fca-en\u002Fbefore-and-after\u002F","\u002Fca-en\u002Fbudget\u002F","\u002Fca-en\u002Finstitutional-partner\u002F","\u002Fca-en\u002Fadvisor-insights\u002F","\u002Fca-en\u002Fwealth-management-software\u002F","\u002Fca-en\u002Fintegrations\u002F","\u002Fca-en\u002Fcontact\u002F","https:\u002F\u002Fdesk.wealthica.com\u002Fhc\u002F3319738952","https:\u002F\u002Fwealthica.com\u002Fblog\u002Fcategory\u002Fproduct-updates\u002F",{"ios":40,"android":41},"https:\u002F\u002Fitunes.apple.com\u002Fca\u002Fapp\u002Fwealthica\u002Fid1189909042","https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.wealthica","https:\u002F\u002Fgithub.com\u002Fwealthica\u002Fwealthica.js","https:\u002F\u002Fcalendly.com\u002Fbillywealthica\u002F30min","mailto:sales@wealthica.com",{"og_app_id":46,"og_type":47,"og_image":48,"og_site_name":49,"keywords":50,"url":51,"title":52,"description":53,"og_title":52,"og_description":53},"219180005248739","article","https:\u002F\u002Fwealthica.com\u002Fassets\u002Fimg\u002Fmeta\u002Fog_image.jpg","Wealthica","finance, investments, wealth data, API, Canadian financial aggregation","https:\u002F\u002Fwealthica.com\u002Fca-en\u002Finvestment-api","The Most Solid API for Canadian Financial Aggregation - Wealthica Business","One API - All Canadian Financial Institutions, Brokerages and Investment Platforms. SOC 2 Type II Compliant. Trusted by Canadian institutions and FinTechs.",{"language":14,"login":55,"signup":56,"how_it_works":57,"before_and_after":58,"for_institutions":59,"security":60,"more":61,"top":62,"button_get":63,"button_for_professional":64,"top_variants":65,"more_dropdown":86,"for_professional":103,"button_for_investment_api":113,"use_cases":114,"for_investment_api":115,"for_use_cases":119},"Log in","\u003Cb>Get Started\u003C\u002Fb>","How it Works","Before & After","For institutions","Security","More","Wealthica for","Get in Touch","For Professionals",[66,69,72,75,78,80,83],{"url":67,"title":68},"\u002Ffamily-office\u002F","🇨🇦 Canadian Investors",{"url":70,"title":71},"\u002Fexport-to-spreadsheet\u002F","📊 Financial spreadsheets",{"url":73,"title":74},"\u002Fadvisor\u002F","🧔🏻 Advisors",{"url":76,"title":77},"\u002Finstitutional-partner\u002F","🏦 Institutional Partners",{"url":67,"title":79},"👨‍👩‍👧 Family Office",{"url":81,"title":82},"\u002Fbudget\u002F","💰 Budgets",{"url":84,"title":85},"\u002Fdevelopers\u002F","🧑🏽‍💻 Developer",[87,91,95,99],{"href":26,"title":88,"subtitle":89,"img":90},"About Us","Meet the Team","about-us",{"href":28,"title":92,"subtitle":93,"img":94},"Pricing","Find the best\u003Cbr> plan for you.","pricing",{"href":36,"title":96,"subtitle":97,"img":98},"Contact","Have questions?\u003Cbr>Have insights?","contact",{"href":21,"title":100,"subtitle":101,"img":102},"Blog","Find the most interesting\u003Cbr>topics in finance!","blog",[104,107,110],{"href":16,"title":105,"subtitle":106},"For Family Offices","Delight Family Members\u003Cbr>with a Family Finance Dashboard",{"href":17,"title":108,"subtitle":109},"For Financial Advisors","Become the central point\u003Cbr>of your clients",{"href":32,"title":111,"subtitle":112},"For Institutions","360 View\u003Cbr>for Institutional Partners","Investment API","Use Cases",[116],{"href":117,"title":113,"subtitle":118},"\u002Fca-en\u002Finvestment-api\u002F","Financial Data Aggregation\u003Cbr>beyond custodians",[120,124,128,132],{"href":121,"title":122,"subtitle":123},"\u002Fca-en\u002Fuse-cases\u002Fcanadian-wealth-data-api\u002F","For Account Data Access","The Single Source for all\u003Cbr>Financial Institutions",{"href":125,"title":126,"subtitle":127},"\u002Fca-en\u002Fuse-cases\u002Fasset-transfer-onboarding\u002F","For Asset Transfers","Streamline Asset Transfers.\u003Cbr>Accelerate AUM Growth.",{"href":129,"title":130,"subtitle":131},"\u002Fca-en\u002Fuse-cases\u002Floan-asset-verification\u002F","For Loan Approvals","Accelerate Loan Approvals with\u003Cbr>Instant Asset Verification",{"href":133,"title":134,"subtitle":135},"\u002Fca-en\u002Fuse-cases\u002Fopen-banking-api\u002F","For Open Banking","Bill C-15 Compliant Open Banking\u003Cbr>API for Canadian Institutions",{"subtitle":137,"subtitle2":138,"title":139,"description1":140,"description2":141,"getApiKeys":142,"scheduleDemo":143},"Connect to over 150 Canadian financial institutions","with Wealthica Investment API","The Most Solid API for Canadian Financial Aggregation","One API - All Canadian Financial Institutions, Brokerages and Investment Platforms. Built by Canadians for Canadians.","SOC 2 Type II Compliant. Trusted by Canadian institutions and FinTechs.","Get API Keys","Schedule a Demo",{"proudlyCanadians":145},"Proudly Canadians",{"trustedAndApplauded":147},"Trusted and Applauded",{"fintech":149,"institutions":157},{"subtitle":150,"title":151,"description1":152,"description1Link":153,"description2":156},"For FinTechs & Financial Institutions","Access 150+ Canadian Financials institutions & Brokerages","Allow your clients to connect their financial accounts to your app to obtain a 360-degree view of their financial lives. Find a ",{"text":154,"url":155},"list of institutions","https:\u002F\u002Fwww.wealthica.com\u002Fintegrations\u002F","Retrieve investment positions, balances, securities, and transactions.",{"subtitle":158,"title":159,"description1":160,"description2":161},"For Financial Institutions","Streamline the Registered Asset Transfers for your clients","Make it easy for clients to bring in their investments from other financial institutions.","Collect all the information to fill out the T2033\u002FATON forms.",{"scheduleDemo":143,"institutionsLink":163},{"text":164,"url":155},"List of Institutions",{"subtitle":166,"title":167,"description":168,"scheduleDemo":143,"unifiedApi":169,"nodejsSdk":172,"dropInWidget":175},"Seamless Integration","Integrate in Just 7 Days with Wealthica's Developer-Ready APIs & SDK","Our SDK provides plug-and-play access to Wealthica, enabling fast, seamless financial data aggregation.",{"title":170,"description":171},"Unified API","One API with 150+ Canadian financial Institutions, brokerages, wealth and investment platforms.",{"title":173,"description":174},"Node.js SDK","Easily integrate Wealthica's APIs into your applications and access to financial accounts with minimal setup.",{"title":176,"description":177},"Drop-In Widget","Plug in our Connect Widget, skip custom integration development",{"title":179,"apiDocs":180,"listOfIntegrations":181},"Explore API Docs and Integrations","API Docs","List of Integrations",{"title":183,"soc2":184,"encryption":187,"cloudProviders":190},"Security is Paramount",{"title":185,"description":186},"SOC 2 Type II Compliant","Our SOC 2 Type II report covers controls relevant to security and availability. We undergo regular third-party audits to maintain this standard.",{"title":188,"description":189},"Data Secured With AES-256 Encryption","We encrypt all in-transit data using TLS 1.2 or higher. Database administrators don't have access to the encryption keys used.",{"title":191,"description":192},"Industry-Leading Cloud Providers","Our secure infrastructure is hardened against the most sophisticated types of attacks. We perform regular automated and manual application security testing.",{"title":194,"subtitle":195,"firstName":196,"lastName":197,"companyEmail":198,"companyName":199,"country":200,"phoneNumber":201,"message":202,"loading":203,"privacyNotice":204,"privacyLink":205,"submit":206,"msgSent":207,"msgError":208},"Let's get started","Get access to the strongest API for financial aggregation in Canada.","First name","Last name","Company email","Company name","Country","Phone number (optional)","Tell us about your project or how we can help you","Loading...","By submitting this form, I confirm that I have read and understood","Wealthica's Privacy Statement","Contact to Our Team","Your message has been sent, we will contact you shortly.","Something went wrong. Please try again.",{"first":210,"information":212,"who":219,"support":228,"legal":234,"follow":239,"copyright":241},{"title":49,"body":211},"\u003Cp>We are a team of passionate entrepreneurs and developers who want to make investment consolidation simple.\u003C\u002Fp>\u003Cp>Learn more \u003Ca href=\u002Fabout-us\u002F>about us\u003C\u002Fa> or \u003Ca href='mailto:hello@wealthica.com' class='freescout-widget-open' target='_blank'>contact us\u003C\u002Fa>. Tell us how we can help streamline your financial life!\u003C\u002Fp>",{"title":213,"about_us":214,"security":60,"how_it_works":215,"pricing":92,"developers":216,"blog":100,"signup":217,"login":218},"Information","About us","How it works","API","Sign up","Login to app",{"title":220,"investors":221,"spreadsheet":222,"advisor":223,"institutional":224,"family_office":225,"budget":226,"developers":227},"Who is it for?","Investors","Financial Spreadsheets","Advisors","Institutional Partners","Family office","Budgets","Developers",{"title":229,"contact":96,"integrations":230,"knowledge":231,"status":232,"updates":233},"Support","Supported Institutions","Knowledge Base","Service Status","Product Updates",{"title":235,"terms":236,"policy":237,"cookies":238},"Legal","Terms of service","Privacy Policy","Cookie Policy",{"title":240},"Follow","© 2015-2026 Wealthica Financial Technology Inc. \u003Cbr\u002F> \u003Ca href=\"mailto:hello@wealthica.com\">hello@wealthica.com\u003C\u002Fa>",{"viewApiDoc":243,"contactEngineering":244,"wealth":245,"transfer":311,"loan":359,"openBanking":419},"View API Documentation","Contact Engineering",{"meta":246,"hero":250,"dataGrid":254,"advantage":283,"technicalFoundation":299},{"og_app_id":46,"og_type":47,"og_image":48,"og_site_name":49,"keywords":50,"url":247,"title":248,"description":249,"og_title":248,"og_description":249},"https:\u002F\u002Fwealthica.com\u002Fca-en\u002Fuse-cases\u002Fcanadian-wealth-data-api","Canadian Wealth Data API - Wealthica Business","The single source of truth for Canadian wealth data. Connect to 150+ financial institutions and access unified investment data through one powerful API.",{"subtitle":251,"title":252,"description":253,"cta1":142,"cta2":143},"Power your platform with the most comprehensive investment data engine in Canada.","The Single Source of Truth for Canadian Wealth","Wealthica’s API bridges the gap between siloed bank accounts and complex portfolios, delivering the structured, high-fidelity data required to build institutional-grade wealth experiences.",{"subtitle":255,"title":256,"text":257,"items":258},"High-Impact Use Cases","One API. Every Vertical.","Our data doesn't just show a balance—it powers the core logic of your application.",[259,262,265,268,271,274,277,280],{"title":260,"description":261},"Unified Wealth Dashboards (360° View)","Build the \"Single Pane of Glass.\" Aggregate net worth across multiple brokerages, banks, and private holdings to become your user's primary financial command center.",{"title":263,"description":264},"Portfolio & Risk Analytics","Run institutional-grade performance and risk modeling. Pull real-time holdings (tickers and quantities) to provide automated stress testing, Sharpe ratios, and asset allocation benchmarks.",{"title":266,"description":267},"Tax & Cost Basis Automation (ACB Tracking)","Solve the most painful part of Canadian investing. Automate the tracking of every transaction to accurately calculate Adjusted Cost Base for non-registered accounts.",{"title":269,"description":270},"Compliance Monitoring","For RegTech and institutional compliance, automate the monitoring of employee personal trading accounts. Replace manual statement uploads with a direct feed to flag conflicts of interest instantly.",{"title":272,"description":273},"Fee Transparency","Show users what they are actually paying. Identify hidden MERs and management costs across their entire portfolio to prove the value of your lower-cost alternatives.",{"title":275,"description":276},"Alternative Assets & Private Equity","Bridge the gap between public and private markets. Track \"un-bankable\" assets—Private Equity, Real Estate, and Venture Capital—alongside liquid stocks.",{"title":278,"description":279},"KYC Refresh & Investor Profiling","Instead of asking clients to self-report, use aggregated data to verify current holdings and streamline the annual KYC refresh process automatically.",{"title":281,"description":282},"Estate Planning & Digital Vaults","Enable the \"Digital Will.\" Maintain a live, up-to-date inventory of all financial assets for executors and beneficiaries across all 150+ institutions.",{"subtitle":284,"title":285,"items":286},"The Wealthica Advantage","Built for the Canadian Financial Landscape",[287,290,293,296],{"title":288,"description":289},"Unrivaled Canadian Depth:","Wealthica API covers all the main brokerages of the Big Five FIs and major independent wealth firms where the vast majority of Canadian assets are actually held.",{"title":291,"description":292},"Deep Metadata Fidelity:","Wealthica API doesn't just \"cleanse\" transaction strings. It retrieves the DNA of the account: tickers, quantities, book values, and specific security identifiers.",{"title":294,"description":295},"Hybrid Sync Architecture:","Our engine balances automated daily syncs with client-triggered manual refreshes to ensure your data is as fresh as your users require.",{"title":297,"description":298},"Permanent Data Sovereignty:","Wealthica archives transaction history indefinitely. Your app maintains a continuous record even if the user closes an account or the bank purges its online history.",{"title":300,"subtitle":6,"items":301},"Technical Foundation",[302,305,308],{"title":303,"description":304},"White-Label Connect Widget:","A drop-in module that handles the complex MFA of Canadian banks so you don't have to.",{"title":306,"description":307},"Institutional Security:","SOC 2 Type II Compliant with a Privacy by Design policy.",{"title":309,"description":310},"Structured JSON:","Normalized data across 150+ institutions, including Wealth, Banking, and Crypto.",{"meta":312,"hero":316,"dataGrid":320,"advantage":333,"technicalFoundation":348},{"og_app_id":46,"og_type":47,"og_image":48,"og_site_name":49,"keywords":50,"url":313,"title":314,"description":315,"og_title":314,"og_description":315},"https:\u002F\u002Fwealthica.com\u002Fca-en\u002Fuse-cases\u002Fasset-transfer-onboarding","Asset Transfer Onboarding - Wealthica Business","Streamline asset transfers and accelerate AUM growth. Automate T2033\u002FATON forms with verified client investment data.",{"subtitle":317,"title":318,"description":319,"cta1":142,"cta2":143},"Optimize your institutional onboarding workflow.","Streamline Asset Transfers. Accelerate AUM Growth.","Wealthica’s API automates the data collection required to pre-populate T2033 and ATON forms, reducing the friction that leads to abandoned transfers and administrative errors. Move your clients from intent to invested by eliminating the manual data entry that causes operational delays.",{"subtitle":321,"title":322,"text":257,"items":323},"High-Fidelity Data for Institutional Transfers","Precision-Engineered for the Canadian Regulatory Landscape",[324,327,330],{"title":325,"description":326},"Automated Form Pre-Filling","Retrieve account numbers and institution codes directly from the source to generate transfer documents efficiently.",{"title":328,"description":329},"Account Type Recognition","Instantly identify TFSA, RRSP, LIRA, or FHSA plan types to ensure funds are directed to the correct tax-sheltered destination.",{"title":331,"description":332},"Security-Level Verification","Access position-level data including tickers and quantities before the move begins to verify holdings.",{"subtitle":284,"title":334,"items":335},"Built for the sophisticated requirements of Canadian brokerages.",[336,339,342,345],{"title":337,"description":338},"Comprehensive Market Access","We provide connectivity to 150+ institutions, including the Big Five banks and boutique wealth firms where the vast majority of Canadian assets are held.",{"title":340,"description":341},"Data Accuracy at the Source","By fetching data directly from the bank portal, you eliminate the manual typos that lead to transfer rejections.",{"title":343,"description":344},"Institutional Privacy Standards","Once a transfer is confirmed, the connection can be removed to satisfy stringent compliance requirements.",{"title":346,"description":347},"Trusted Industry Infrastructure","Market leaders like Questrade and Wealthsimple utilize Wealthica to replace the manual \"upload and wait\" period with a 90-second verification.",{"title":300,"subtitle":349,"items":350},"Enterprise-grade infrastructure for modern finance.",[351,354,356],{"title":352,"description":353},"Verified Account Metadata","Feed high-fidelity details—including positions, balances, and transaction history—directly into your onboarding suite.",{"title":185,"description":355},"Benefit from an \"Investment-First\" data engine designed specifically for the security standards of Canadian financial institutions.",{"title":357,"description":358},"Rapid Integration","Deploy a white-label \"Connect Widget\" that manages complex MFA requirements while maintaining your firm's branded experience.",{"meta":360,"hero":364,"dataGrid":368,"advantage":393,"technicalFoundation":408},{"og_app_id":46,"og_type":47,"og_image":48,"og_site_name":49,"keywords":50,"url":361,"title":362,"description":363,"og_title":362,"og_description":363},"https:\u002F\u002Fwealthica.com\u002Fca-en\u002Fuse-cases\u002Floan-asset-verification","Loan Asset Verification - Wealthica Business","Accelerate loan approvals with instant asset verification. Verify borrower assets in real-time across 150+ Canadian financial institutions.",{"subtitle":365,"title":366,"description":367,"cta1":142,"cta2":143},"Eliminate the \"statement chase\" from your lending workflow.","Accelerate Loan Approvals with Instant Asset Verification","Wealthica’s API provides lenders with real-time, verified data on a borrower’s investment accounts, savings, and total net worth. Reduce time-to-close by replacing manual document collection with a secure, digital handshake.",{"subtitle":369,"title":370,"text":257,"items":371},"High-Fidelity Data for Mortgage & Loan Underwriting","Precision-engineered for modern credit risk assessment.",[372,375,378,381,384,387,390],{"title":373,"description":374},"Instant Down Payment Verification","Securely confirm the presence and source of funds for down payments across 150+ Canadian institutions.",{"title":376,"description":377},"Real-Time Account Balances","Access current, verified balances for investment accounts, savings, and GICs to assess a borrower's liquidity instantly.",{"title":379,"description":380},"Verified Holding Analysis","Review position-level data, including tickers and quantities, to understand the volatility and quality of a borrower's underlying assets.",{"title":382,"description":383},"Historical Transaction Flow","Audit investment transactions and dividends to verify consistent income streams and wealth accumulation patterns.",{"title":385,"description":386},"Consolidated Net Worth View","View a borrower's total financial picture—including \"held-away\" assets at boutique brokerages—to improve debt-to-equity ratio accuracy.",{"title":388,"description":389},"Ownership Authentication","Instantly verify that account holder names match the loan application, reducing the risk of fraudulent documentation.",{"title":391,"description":392},"Automated Data Refresh","Maintain a continuous connection to the borrower’s accounts to verify that funds remain in place until the loan or mortgage closes.",{"subtitle":284,"title":394,"items":395},"Built for the rigorous standards of Canadian lending.",[396,399,402,405],{"title":397,"description":398},"Comprehensive Canadian Coverage","We provide connectivity to all Big Five banks and the independent wealth firms where high-net-worth borrowers hold their capital.",{"title":400,"description":401},"Superior Data Integrity","By pulling data directly from the financial institution, you eliminate the risk of altered or forged PDF statements.",{"title":403,"description":404},"Enhanced Borrower Experience","Offer your clients a modern, digital onboarding process that replaces days of manual document gathering with a 90-second connection.",{"title":406,"description":407},"Institutional Security & Privacy","Our SOC 2 Type II compliance and policies ensure that sensitive borrower information is handled with institutional-grade oversight.",{"title":300,"subtitle":349,"items":409},[410,413,416],{"title":411,"description":412},"Verified Asset Metadata","Feed structured JSON data—including balances, securities, and transactions—directly into your underwriting or CRM system.",{"title":414,"description":415},"White-Label Connect Widget","Deploy a branded interface that manages complex MFA requirements while maintaining a seamless user experience.",{"title":417,"description":418},"Hybrid Sync Architecture","Benefit from automated daily updates and the ability to trigger a manual refresh for final pre-closing verification.",{"meta":420,"hero":424,"billHighlight":429,"whatIs":445,"challenge":461,"technicalFoundation":477,"dataGrid":491,"howItWorks":512,"advantage":525,"standards":546,"trustStats":556,"faq":569,"finalCta":598},{"og_app_id":46,"og_type":47,"og_image":48,"og_site_name":49,"keywords":50,"url":421,"title":422,"description":423,"og_title":422,"og_description":423},"https:\u002F\u002Fwealthica.com\u002Fca-en\u002Fuse-cases\u002Fopen-banking-api","Open Banking API for Canada - Wealthica Business","Canada's Open Banking Law is here. Wealthica's FDX-compliant, SOC 2 Type II audited API helps Canadian institutions meet Bill C-15 requirements in weeks, not years.",{"subtitle":425,"title":426,"description":427,"cta1":428,"cta2":143},"Open Banking in Canada","Canada's Open Banking Law Is Here. Is Your Institution Ready?","The Canadian Senate has passed Bill C-15. Financial institutions must now open their data APIs to consumers and third-party providers. Those who don't act risk being left behind. Wealthica is your fastest, safest path to compliance.","Get Started Today",{"quoteSource":430,"quote":431,"stats":432},"GOVERNMENT OF CANADA, BILL C-15, 2026","Completing the consumer-driven banking legislative framework to allow Canadians and businesses to securely share their financial data with third-party providers and give consumers clearer choices and better tools to manage their finances.",[433,436,439,442],{"value":434,"description":435},"100+","Canadian financial institutions already connected",{"value":437,"description":438},"$49B+","In aggregated assets on platform",{"value":440,"description":441},"FDX","API standards compliant",{"value":443,"description":444},"SOC2","Type II audited & enterprise-grade security",{"subtitle":425,"title":446,"text":447,"items":448},"What Is Open Banking and What Does Bill C-15 Require?","A plain-language overview of Canada's consumer-driven banking framework and what it means for financial institutions of every size.",[449,452,455,458],{"title":450,"description":451},"What is open banking?","A framework that gives consumers the legal right to share their financial data with authorised third parties through secure, standardised APIs.",{"title":453,"description":454},"What is Bill C-15 and what did it change?","Passed by the Canadian Senate in March 2026, Bill C-15 gives Canada its first statutory foundation for consumer-driven banking, empowering the Bank of Canada to begin implementing open finance rules.",{"title":456,"description":457},"What does compliance look like in practice?","Institutions need a secure, FDX-aligned API that lets customers consent to and control their own data sharing. OAuth 2.0 authentication and consumer consent flows are the baseline requirements.",{"title":459,"description":460},"Do institutions have to build this themselves?","No. The legislation requires the outcome, not the method. A compliant third-party open banking API meets the obligation without the multi-year internal build.",{"subtitle":462,"title":463,"paragraph1":464,"paragraph2":465,"items":466,"moveFirstTitle":471,"moveFirstItems":472},"The Challenge","Open Banking Compliance Is Not Optional.","Bill C-15 establishes a legal framework for consumer-driven finance in Canada. For financial institutions of every size, that means one thing: you now need a secure, standards-compliant API that allows your customers to share their financial data.","For large banks with deep engineering teams, this is a years-long project. For credit unions, community banks, brokerages, and fintechs, it can feel like a mountain with no clear path up.",[467,468,469,470],"Building a compliant open banking API in Canada takes 12 to 24 months and significant engineering investment","Navigating FDX standards, OAuth flows, and security requirements demands specialized expertise most institutions don't have in-house","Siloed systems mean your customers can't get the consolidated financial view they're now legally entitled to","Falling behind on open banking doesn't just mean non-compliance. It means losing customers to institutions that get there first","The institutions that move first will",[473,474,475,476],"Become a primary financial hub for their customers","Unlock data partnerships with 100+ connected institutions","Offer customers a true 360° view of their financial lives","Differentiate in a market where loyalty is up for grabs",{"subtitle":478,"title":479,"text":480,"items":481},"The Wealthica Solution","Don't Build an API. Use Ours.","Wealthica has already done the heavy lifting. We are Canada's most connected open banking API, FDX-compliant and already plugged into over 100 financial institutions. Instead of starting from zero, plug into the network that's already built.",[482,485,488],{"title":483,"description":484},"Your Open Banking API, Deployed in Weeks","Skip the years-long build. Wealthica's SDK delivers a plug-and-play integration that handles authentication, data normalization, and regulatory standards, freeing your team to focus on what you're actually good at.",{"title":486,"description":487},"Instant Access to an Established Network","Joining Wealthica means immediately plugging into a network of 100+ connected Canadian institutions, including banks, brokerages, credit unions, and crypto platforms. Interoperability on day one, not year three.",{"title":489,"description":490},"Enterprise Security You Can Stand Behind","Wealthica is SOC2 Type II audited. Your customers' financial data is protected by enterprise-grade security protocols, so you can open your data with full confidence, not anxiety.",{"subtitle":492,"title":493,"text":494,"items":495},"Platform Capabilities","Everything You Need. Nothing You Don't.","Wealthica's financial data aggregation API goes beyond simple compliance. It brings a full suite of data capabilities to your institution, purpose-built for the Canadian market.",[496,500,504,508],{"title":497,"description":498,"icon":499},"Automated Data Syncing","Real-time and scheduled syncing across accounts ensures your data is always current, with no manual reconciliation and no stale records.","⚡",{"title":501,"description":502,"icon":503},"Multi-Asset Coverage","Stocks, ETFs, mutual funds, real estate, private investments, and cryptocurrency, all aggregated in one unified data layer.","📊",{"title":505,"description":506,"icon":507},"FDX-Compliant API","Built to Financial Data Exchange standards, the recognized benchmark for open finance interoperability in North America.","🔗",{"title":509,"description":510,"icon":511},"Consent Management Built In","Full consumer consent flows are baked into the platform, already compliant with Bill C-15's data-sharing transparency requirements from day one.","🔐",{"subtitle":57,"title":513,"text":514,"items":515},"Three Steps to Open Banking Compliance","From signed agreement to a live, compliant API faster than you thought possible.",[516,519,522],{"title":517,"description":518},"Connect & Configure","Onboard with Wealthica and configure your integration using our developer SDK. We handle the OAuth flows, data standards, and compliance layer on your behalf.",{"title":520,"description":521},"Go Live","Your institution is now part of Canada's open banking network. Your customers can securely consent to share data, and third-party providers can access it via your Wealthica-powered API.",{"title":523,"description":524},"Grow","Unlock new data partnerships, deepen customer relationships, and leverage Wealthica's capabilities to offer your clients a complete 360° view of their financial world.",{"subtitle":526,"title":527,"text":528,"items":529},"Who It's For","Built for Institutions That Move Fast","Large banks have armies of engineers. Wealthica is built for institutions that want competitive advantage without the enterprise build timeline.",[530,534,538,542],{"eyebrow":531,"title":532,"description":533},"Credit Unions","Serve Your Members Better","Give your members a full picture of their financial lives, covering accounts across every institution they use, not just yours. Become the hub they come back to.",{"eyebrow":535,"title":536,"description":537},"Community & Regional Banks","Compete on Capability","Match and exceed the digital experience of national banks without the national bank budget. Open banking infrastructure, delivered in weeks.",{"eyebrow":539,"title":540,"description":541},"Fintechs & Wealth Platforms","Aggregate Everything","Plug Wealthica's financial data aggregation API into your existing product to unlock 100+ institution connections, asset tracking, and financial data feeds your users actually want.",{"eyebrow":543,"title":544,"description":545},"Investment Dealers & Brokerages","Deliver True 360° Advice","Advisors can finally see everything, not just the accounts at your firm. Richer data means better advice, and better advice means clients who stay.",{"title":547,"text":548,"badges":549,"button":555},"Built to the Highest Standards","Wealthica is audited, accredited, and actively maintained against the compliance benchmarks that matter to Canadian financial regulators and their clients.",[550,551,552,553,554],"SOC2 Type II Audited","FDX API Standards","OAuth 2.0 \u002F OpenID Connect","Bill C-15 Framework Aligned","Crypto & Web3 Ready","Talk to Our Team",{"subtitle":557,"title":558,"items":559},"Why Trust Wealthica","A Decade of Financial Data Infrastructure in Canada",[560,563,565,567],{"value":561,"description":562},"2015","Founded in Montreal, Quebec. Wealthica has been building Canadian financial data infrastructure for over a decade, long before open banking became law.",{"value":434,"description":564},"Canadian financial institutions already connected on the platform, spanning banks, credit unions, brokerages, and digital asset providers.",{"value":437,"description":566},"In aggregated assets tracked on the Wealthica platform, making it Canada's most established financial data aggregation network.",{"value":443,"description":568},"Type II audited. Security controls independently verified. Audit report available to institutional partners on request.",{"subtitle":570,"title":571,"text":572,"items":573},"Common Questions","Frequently Asked Questions","Everything decision-makers at Canadian financial institutions want to know before getting started.",[574,577,580,583,586,589,592,595],{"question":575,"answer":576},"Does my institution need to build its own open banking API to comply with Bill C-15?","No. Bill C-15 requires financial institutions to enable consumers to securely share their financial data with authorised third-party providers, but it does not require institutions to build their own API from scratch. Institutions can meet this requirement by integrating a compliant third-party open banking API, such as Wealthica's, which is already FDX-compliant and SOC2 Type II audited.",{"question":578,"answer":579},"How quickly can a Canadian financial institution deploy an open banking API with Wealthica?","Most institutions can go live with Wealthica's open banking API in weeks rather than months. Wealthica's plug-and-play SDK handles OAuth 2.0 authentication, FDX data standards, and the compliance layer, removing the need for a lengthy internal build that would otherwise take 12 to 24 months and significant engineering investment.",{"question":581,"answer":582},"What is the FDX standard and does Wealthica meet it?","The Financial Data Exchange (FDX) is a non-profit organisation that sets interoperability standards for consumer-permissioned financial data sharing in North America. Wealthica's API is built to FDX standards, meaning institutions that deploy it are aligned with the benchmark framework recognised by Canadian and North American open finance regulators.",{"question":584,"answer":585},"What types of financial data and assets does Wealthica's API support?","Wealthica's financial data aggregation API supports a broad range of asset classes, including stocks, ETFs, mutual funds, real estate, private investments, and cryptocurrency. It connects to over 100 Canadian financial institutions, covering banking accounts, investment accounts, and digital asset wallets through Wealthica's Vezgo crypto API.",{"question":587,"answer":588},"Is Wealthica's open banking API secure enough for regulated financial institutions?","Yes. Wealthica is SOC2 Type II audited, which means its security controls have been independently verified over an extended period. The platform uses current encryption and access control protocols aligned with industry standards, and the SOC2 audit report is available to institutional clients on request.",{"question":590,"answer":591},"What does Bill C-15 actually require from Canadian financial institutions?","Bill C-15 establishes the legislative framework for consumer-driven banking in Canada, passed by the Canadian Senate in 2026. It requires financial institutions to allow consumers and businesses to securely share their financial data with authorised third-party providers of their choice. Institutions must provide a secure, standards-compliant mechanism for this data sharing, which in practice means exposing a compliant open banking API.",{"question":593,"answer":594},"Which types of institutions should consider Wealthica's open banking API?","Wealthica's open banking API is well suited to credit unions, community and regional banks, investment dealers, brokerages, and fintech platforms operating in Canada. These institutions typically lack the in-house engineering capacity to build a compliant API from scratch and benefit most from deploying a ready-made, already-connected solution.",{"question":596,"answer":597},"Can Wealthica's API connect my institution to other Canadian financial institutions?","Yes. Wealthica is already connected to over 100 Canadian financial institutions across banking, investment, and digital asset categories. Institutions that integrate Wealthica's open banking API gain immediate access to this network, enabling data partnerships and cross-institutional interoperability without building individual point-to-point connections.",{"subtitle":599,"title":600,"text":601,"button":602,"subtext":603},"Get Started","The Framework Is Set. Your Window Is Now.","The institutions that act today will define who leads Canada's open banking era. Don't wait for the big banks to set the standard. Set it yourself.","Get Started with Wealthica","No long-term commitment required to explore. Talk to us first.",{"scheduleDemo":143,"demo":605,"getApiKeys":142,"apiKeys":606,"useCases":114,"listOfInstitutions":164,"wealthDataApiTitle":122,"wealthDataApiDesc":607,"assetTransferTitle":126,"assetTransferDesc":318,"loanVerificationTitle":130,"loanVerificationDesc":366,"openBankingTitle":134,"openBankingDesc":608},"Demo","API Keys","The Single Source for all Financial Institutions","Bill C-15 Compliant Open Banking API for Canadian Institutions",{"description":610,"getStarted":599,"about":611,"whoIsItFor":220,"contact":96,"copyright":612,"email":613,"links":614},"The top choice data aggregator for wealth managers, brokerages and wealthtech firms, offering comprehensive support to advisors and investors alike.","About","© 2015-{year} Wealthica Financial Technology Inc.","hello@wealthica.com",{"getApiKeys":142,"digitalAssetsApiDocs":615,"wealthApiDocs":616,"nodejsSdk":617,"integrationsWealth":618,"integrationsDigitalAssets":619,"connectFlowHelp":620,"journeyTo100b":621,"vezgoBlog":622,"meshConnectApiVsVezgo":623,"ccxtVsVezgoApi":624,"monthlyGetInTouch":625,"developers":227,"investors":221,"advisors":223,"wealthManagers":626,"familyOffices":627,"institutionalPartners":224,"onlineBrokerages":628,"cryptoExchanges":629},"Digital Assets API Docs","Wealth API Docs","Nodejs SDK","Integrations Wealth","Integrations: Digital Assets","Connect Flow Help","Journey to $100B","Vezgo Blog","Mesh Connect API vs Vezgo","CCXT vs Vezgo API","Monthly Get in touch","Wealth Managers","Family Offices","Online Brokerages","Crypto Exchanges",{"home":631,"advisor":73,"familyOffice":67,"institutionalPartner":76,"investmentApi":632,"developers":84,"docs":633,"docsTrailing":634,"integrations":635,"integrationsWww":635,"privacyPolicy":636,"blog":637},"\u002F","\u002Finvestment-api\u002F","https:\u002F\u002Fwealthica.com\u002Fdocs","https:\u002F\u002Fwealthica.com\u002Fdocs\u002F","\u002Fintegrations\u002F","\u002Fprivacy-policy\u002F","https:\u002F\u002Fwealthica.com\u002Fblog","ca-en",false,true,"\u002Fca-fr\u002F",1778850427563]