WealthKernel Investment Infrastructure

WealthKernel Limited is a UK investment infrastructure provider with a registered office in London and a Spanish arm, WealthKernel Spain. The site states it is now part of Alpaca. It serves fintechs, wealth managers and established businesses that want to launch digital investing products.

The API-first platform covers user onboarding with KYC and AML checks, tax wrapper accounts (ISA, GIA, SIPP, JISA), funding, transfers, custody, trading, portfolio management and reporting, with an Appointed Representative service. It supports fractional US and UK equities and programmatic rebalancing for use cases such as robo-advisers, money market funds, direct indexing and embedded investing. Named clients include Wahed, Stratiphy and Wealthyhood.

• Onboarding: user onboarding with KYC and AML checks.
• Tax wrappers: ISA, GIA, SIPP and JISA accounts with funding and transfers.
• Trading: fractional US and UK equities, custody and portfolio management.
• Rebalancing: programmatic portfolio rebalancing for robo-adviser use cases.
• Regulatory services: Appointed Representative and Section 21 Approver services.
• Developer tools: API documentation, guides and system status page.

A Vietnamese fintech studying an API-first architecture for a robo-advisory or savings app. A wealth manager adding fractional investing and automatic rebalancing. A regional neobank planning embedded investing for overseas equities.

Modular design lets clients use only the components they need. Regulated infrastructure: FCA-authorised in the UK and CNMV-authorised in Spain. ISO 27001:2022 certified. UK client money covered by the FSCS up to GBP 120,000, per the site.

Embedded investing and robo-advice through APIs are spreading as fintechs add investing to their apps without building brokerage. The Alpaca acquisition shows consolidation among API brokerage providers, and a similar infrastructure model can serve Southeast Asian neobanks and wealth apps.

Registered office at 41 Luke St, London. Now part of Alpaca, with the acquisition announced 2025-07 and a European expansion announced 2026-04. FCA firm no. 723719, CNMV registry no. 328. Recognition includes Top 100 WealthTech and WealthTech of the Year 2022 at the Fintech Awards London. Founding year not stated.