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Wealthos

“Can a cloud-native, API-first microservices platform become the core operating system that wealth managers and retirement product builders use to launch and run digital propositions without building infrastructure themselves?”

Founded2019
HQLondon, United Kingdom (Third Floor, 1 New Fetter Lane, London, EC4A 1AN)
Total raised$6.2M
IndustryVertical SaaS / Wealth Management
The story

Founded in 2019, WealthOS positioned itself as the middle- and back-office operating system for digital wealth management, offering an API-first microservices platform for wealth managers and retirement product builders. Rather than building a single monolithic system, it pursued a marketplace model — offering pre-built integrations for KYC/AML (Onfido), payments (Stripe, TrueLayer), and open banking. Its embedded finance angle is infrastructure: WealthOS is the core platform that wealth managers plug into, with the company acting as an orchestration layer connecting specialist third-party vendors rather than operating financial services itself.

Last 12 months
2023-01
Product timeline
2019
WealthOS Limited founded as an API-first, cloud-native core wealth management platform targeting digital adoption in the wealth management industry.· pivot
2022
Launched sandbox API environment (wos-gb.sandbox.wealthos.cloud) with comprehensive REST and WebSocket APIs covering investors, pots, holdings, transactions, KYC/AML, and payments integrations.· banking
2023
Partnered with TrueLayer to enable instant bank payments (open banking PIS) embedded within wealth management products on the WealthOS platform.· banking
The stack
Payments / PSP
Stripe
Open banking
TrueLayer
Accounting gap: significant