Accelerate Loan Approvals with Instant Asset Verification
Eliminate the "statement chase" from your lending workflow.
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.
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Proudly CanadiansHigh-Fidelity Data for Mortgage & Loan Underwriting
Precision-engineered for modern credit risk assessment.
Our data doesn't just show a balance—it powers the core logic of your application.
Instant Down Payment Verification
Securely confirm the presence and source of funds for down payments across 150+ Canadian institutions.
Real-Time Account Balances
Access current, verified balances for investment accounts, savings, and GICs to assess a borrower's liquidity instantly.
Verified Holding Analysis
Review position-level data, including tickers and quantities, to understand the volatility and quality of a borrower's underlying assets.
Historical Transaction Flow
Audit investment transactions and dividends to verify consistent income streams and wealth accumulation patterns.
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.
Ownership Authentication
Instantly verify that account holder names match the loan application, reducing the risk of fraudulent documentation.
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.
The Wealthica Advantage
Built for the rigorous standards of Canadian lending.
Comprehensive Canadian Coverage
We provide connectivity to all Big Five banks and the independent wealth firms where high-net-worth borrowers hold their capital.
Superior Data Integrity
By pulling data directly from the financial institution, you eliminate the risk of altered or forged PDF statements.
Enhanced Borrower Experience
Offer your clients a modern, digital onboarding process that replaces days of manual document gathering with a 90-second connection.
Institutional Security & Privacy
Our SOC 2 Type II certification and policies ensure that sensitive borrower information is handled with institutional-grade oversight.
Technical Foundation
Enterprise-grade infrastructure for modern finance.
Verified Asset Metadata
Feed structured JSON data—including balances, securities, and transactions—directly into your underwriting or CRM system.
White-Label Connect Widget
Deploy a branded interface that manages complex MFA requirements while maintaining a seamless user experience.
Hybrid Sync Architecture
Benefit from automated daily updates and the ability to trigger a manual refresh for final pre-closing verification.
Security is Paramount
SOC 2 Type 2 Compliant
The SOC certification is a report on controls relevant to security, and availability. We undergo regular audits.
Data Secured With AES-256 Encryption
We encrypt all in-transit data using the latest TLS 1.2. Database administrators don't have access to the encryption keys used.
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.
