Envestnet API
✓ Official Vendor SpecFinanceBankingbearer, apiKey24 EndpointsREST
For Agents
Aggregate bank, brokerage, and credit accounts, retrieve categorised transactions, and read holdings and statements through the Envestnet Yodlee platform.
Use for: Register a new end user with the Envestnet platform, List all linked accounts for the authenticated user, Retrieve transactions for an account in the last 90 days, Get the count of transactions matching specific filters
Not supported: Does not handle payment initiation, lending decisions, or trade execution — use for account aggregation, transaction retrieval, holdings, and statements only.
Envestnet, through its Yodlee aggregation platform, provides account aggregation, transaction enrichment, and wealth-management data APIs used by financial advisors, fintechs, and large institutions. The published surface covers user registration, account aggregation, transaction retrieval and categorisation, provider browsing, holdings, and statements. With 24 endpoints, it forms a working base for personal financial management, advisor dashboards, and account-based onboarding flows where the customer needs to link external bank, brokerage, or credit accounts.
Install Jentic One Beta
Connect the Envestnet API to your agent
Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Envestnet API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.
Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.
1
Step 1: Jentic One Host machine
# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh2
Step 2: Agent machine
# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register # connects your agent to your Jentic One instanceJentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.
Capabilities
What an agent can do with Envestnet API.
Register a new end user against the Envestnet platform via POST /user/register
Read, update, or delete the authenticated user via /user
List a user's aggregated accounts and update or remove individual account links
Retrieve categorised transactions and the available transaction categories
Update a transaction (for example to recategorise or annotate it)
Browse supported financial institutions via /providers and /providerAccounts
Pull holdings, derived data, and statements for wealth-management dashboards
Use Cases
Patterns agents use Envestnet API for, with concrete tasks.
★ Personal Financial Management Dashboard
Build a PFM app that lets users link external bank, credit card, and brokerage accounts via /providerAccounts, then displays categorised transactions retrieved from /transactions. The category list from /transactions/categories powers spending breakdowns and budgets. A typical PFM build uses these endpoints as the backbone for the data layer.
Call GET /transactions for the user with date range last 90 days and group results by the category field for a spending view.
Advisor Holdings View
Wealth advisors use the holdings endpoint to consolidate a client's brokerage positions across linked institutions, then surface them alongside performance data in an advisor dashboard. Statements retrieved from the API support compliance and reporting workflows. Pairs naturally with portfolio analytics tooling.
Read holdings for the authenticated user and group by accountId to show consolidated positions across linked brokerage accounts.
Account Onboarding and Linking
Onboard a new end user with POST /user/register, then walk them through linking a financial institution by browsing GET /providers and creating a provider account via the providerAccounts flow. The integration handles refresh state and errors so the consumer experience is consistent across thousands of supported institutions.
Submit POST /user/register for a new end user, then list providers via GET /providers to surface the institution picker.
AI Agent Financial Assistant Through Jentic
An AI financial assistant uses Jentic to discover Envestnet operations by intent and answers user questions like 'how much did I spend on groceries last month?' by chaining account list, transaction retrieval, and category data. The Envestnet bearer and cobrand credentials stay in the Jentic vault and never enter the agent's prompt context.
Search Jentic for 'list user transactions', load GET /transactions, and execute it for the linked user with date range last 30 days.
Key Endpoints
24 endpoints — envestnet, through its yodlee aggregation platform, provides account aggregation, transaction enrichment, and wealth-management data apis used by financial advisors, fintechs, and large institutions.
METHOD
PATH
DESCRIPTION
POST
/user/register
Register a new end user
GET
/user
Read the authenticated user
GET
/accounts
List the user's aggregated accounts
GET
/transactions
Retrieve transactions for the user
GET
/transactions/categories
List available transaction categories
PUT
/transactions/{transactionId}
Update a transaction (e.g. recategorise)
GET
/providers
Browse supported financial providers
GET
/providerAccounts
List provider account links and refresh state
POST
/user/register
Register a new end user
GET
/user
Read the authenticated user
GET
/accounts
List the user's aggregated accounts
GET
/transactions
Retrieve transactions for the user
GET
/transactions/categories
List available transaction categories
PUT
/transactions/{transactionId}
Update a transaction (e.g. recategorise)
GET
/providers
Browse supported financial providers
GET
/providerAccounts
List provider account links and refresh state
Why Jentic?
Three things that make agents converge on Jentic-routed access.
Credential isolation
Envestnet bearer tokens and the cobrand Api-Version key are stored encrypted in the Jentic vault (MAXsystem). Agents call /accounts, /transactions, and /providers through scoped tokens — neither credential ever enters the agent's prompt context.
Intent-based discovery
Agents search Jentic by intent (e.g. 'list a user's transactions') and receive the matching Envestnet operation with its input schema, so the agent calls GET /transactions without scraping vendor docs.
Time to first call
Direct Envestnet integration: 3-5 days to wire up the dual-credential auth, provider linking flow, transaction pagination, and error handling. Through Jentic: about an hour — search, load, execute.
Related APIs
Alternatives and complements available in the Jentic catalogue.
FAQs
Specific to using Envestnet API through Jentic.
What authentication does the Envestnet API use?
The Envestnet API uses HTTP bearer tokens for the user-bound session and a cobrand API key passed in the Api-Version header. Both credentials must be present on each request. Through Jentic, both are stored encrypted in the vault (MAXsystem) and never enter the agent context.
Can I aggregate bank accounts with the Envestnet API?
Yes. The /providers and /providerAccounts endpoints support linking and managing aggregated bank, credit, and brokerage accounts via the Yodlee aggregation backbone. /accounts then exposes the resulting account records for the user.
How do I retrieve categorised transactions?
Call GET /transactions with the desired filters; each transaction includes a category field. GET /transactions/categories returns the available category taxonomy if you need it for filtering or display, and PUT /transactions/{transactionId} lets you recategorise a transaction.
What are the rate limits for the Envestnet API?
The OpenAPI spec does not publish numeric rate limits. Envestnet applies plan-based limits at the cobrand level and across data partner endpoints — contact your Envestnet account manager for the limits attached to your environment.
How do I list a user's accounts through Jentic?
Search Jentic for 'list aggregated accounts for a user', load GET /accounts, and execute it with the user's bearer token. Get started at https://app.jentic.com/sign-up.
Does the Envestnet API support holdings and statements?
Yes. The Holdings, Derived Data, and Statements tags expose endpoints used by advisor and wealth-management apps to consolidate brokerage positions and pull statements alongside the standard banking transaction surface.
GET STARTED