WealthKernel
WealthKernel is a UK (outside the EU/EEA) fintech-infrastructure provider (Investment infrastructure). Verified at source - licence, regulator and registry reference. Active (Alpaca Europe)
Who it's for
WealthKernel is built for products embedding investment - brokerage, savings or wealth.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
What WealthKernel does
Verified licence profile
WealthKernel (London, UK) - investing API: onboarding, dealing, custody, portfolio mgmt, UK tax wrappers (ISA/SIPP). FCA-authorised custodian (no. 723719, CASS). Acquired by Alpaca (US) - now Alpaca Europe.
Verified 2026-06-28. How we verify → · Spotted something out of date? Report a correction. · Are you WealthKernel? Work with us →
European alternatives to WealthKernel
aixigo (Aachen, Germany; since 1999) - API-based wealth-management software platform (advisory, portfolio management, analytics) for banks/wealth managers (BNP Paribas, Commerzbank). Software vendor (no own FI licence). Acquired by Amundi (FR, 2024, EUR 149m).
Bitpanda Technology Solutions (Vienna, Austria) - B2B white-label investing + digital-asset infrastructure (stocks, ETFs, crypto, custody, tokenization) for banks/fintechs. Relies on Bitpanda VASP (Austria FMA + AMF), MiFID II investment-firm, PSD2 and MiCA (BaFin) authorisations. Client: N26.
Cashlink (Germany) - tokenized-securities infrastructure: issuance, smart-contract registry (eWpG) and digital-asset custody. BaFin crypto securities registrar + qualified crypto custodian (KWG).
InvestSuite (Leuven, Belgium) - B2B white-label investtech SaaS: robo-advisor, self-investor, portfolio optimizer, reporting. Software vendor for banks and wealth managers.
lemon.markets (Berlin, Germany) - API-first brokerage-as-a-service for stocks/ETFs (contract broking, portfolio mgmt, proprietary trading, custody). BaFin investment-firm licence (Jan 2024). Acquired by DWP Bank (Sept 2025); operates independently.
Upvest (Berlin, Germany) - investment / securities API (brokerage-as-a-service): stocks, ETFs, crypto, custody. Full BaFin securities + crypto brokerage and custody licences (2022) + UK FCA (2024). Clients incl. N26.
FAQ
Is WealthKernel European / EEA-based?
WealthKernel is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does WealthKernel do?
WealthKernel covers: Investment infrastructure. Verified at source by Fintechnologica.