What is net-worth aggregation?
Net-worth aggregation is the practice of pulling all of your financial accounts into a single view so you can see your overall net worth - your total assets minus your liabilities - in one place. Instead of checking a banking app here, a broker there and a pension somewhere else, aggregation brings cash, investments, pensions, property and debts together and keeps the total up to date.
Modern aggregation usually works through open banking: you connect each account once, and a licensed provider reads the balances and positions on a read-only basis. Holdings in different currencies are normalised to your home currency so the total actually means something. The result is one number that reflects your real financial position, updated as your accounts change.
The value is clarity. You cannot manage what you cannot see, and most people's money is scattered across more providers than they realise. Aggregation is read-only by nature - it shows you the picture, it does not move your money - which makes it a safe foundation for understanding where you stand before you decide anything.
Key points
Net-worth aggregation pulls every account into one view: assets minus liabilities.
It spans cash, investments, pensions, property and debts across many providers.
It usually runs on open banking - connected once, read on a read-only basis.
Multiple currencies are normalised to your home currency for a meaningful total.
It is read-only: it shows the picture, it does not move your money.
How Bank AI relates
Net-worth aggregation is exactly what Bank AI does today. It connects your banks, brokers, pensions and crypto wallets through licensed open-banking partners - read-only - and shows your full net worth in one place, in your currency, kept up to date.
That complete picture is also the foundation for what comes next. The coming-soon invest layer uses the same understanding of your money to propose a move, and would execute it only on your one-tap approval through a licensed, regulated brokerage partner, with your capital at risk. The aggregation itself stays read-only.
Net-worth aggregation FAQ
Is net-worth aggregation safe?
Aggregation through open banking is read-only: a licensed provider reads your balances and positions with your consent and cannot move your money. You can revoke access at any time. It is designed to be safer than sharing passwords or screen-scraping.
What accounts can be aggregated?
Typically current and savings accounts, brokerage and investment accounts, pensions, and crypto exchange balances - wherever a licensed open-banking connection exists. Different currencies are normalised to your home currency so the net-worth total is meaningful.
Does aggregation move my money?
No. Net-worth aggregation is read-only by nature - it shows you the complete picture but does not transfer or invest anything. With Bank AI, any money movement belongs to the separate, coming-soon invest layer and only happens on your explicit one-tap approval.
Related concepts
- Concept
What is auto-investing?
Money invested automatically on a schedule or rule - what it is, and what it is not.
→ - Concept
What is execution-only investing?
A provider carries out the trade you decide on - no advice, no discretion.
→ - Concept
What is fractional investing?
Buy a slice of a share or fund instead of a whole unit - invest by money, not by units.
→
See your whole net worth in one place
Bank AI aggregates every account today, read-only, through licensed open-banking partners. Available on iOS.
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