{
  "page": "https://wealthtech.dev/products/emoney",
  "title": "eMoney Advisor API: access, auth, sandbox and MCP (checked Oct 2026)",
  "description": "eMoney's APIs use certificate-based authentication: you give eMoney an X.509 certificate and receive an admin-level ID. The published rate limit is 60 concurrent calls, with 250 calls per hour on Monte Carlo endpoints. Third-party integration requests go through eMoney's review and are not guaranteed approval.",
  "updated": "2026-10-17",
  "data": {
    "$schema": "https://wealthtech.dev/schema/product.schema.json",
    "url": "https://wealthtech.dev/products/emoney",
    "title": "eMoney Advisor API: access, auth, sandbox and MCP (checked Oct 2026)",
    "lastChecked": "2026-10-17",
    "id": "emoney",
    "name": "eMoney Advisor",
    "vendor": "eMoney Advisor, LLC",
    "website": "https://emoneyadvisor.com/",
    "category": "planning",
    "tier": "core",
    "company": "emoney-advisor",
    "listed": true,
    "access": {
      "value": "partner-gated",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/resources/docs/third-party-integration-apis",
      "evidence": "submitting a request does not guarantee approval or immediate access to integrate",
      "capture": "evidence/emoney/developer-emoneyadvisor-com-resources-docs-products-thirdparty.txt",
      "note": "Third-party integration requests are reviewed by eMoney. The planning API reference (developer.emoneyadvisor.com/planning/reference) redirected to a sign-in page on 2026-10-17, so endpoint detail is behind an account. research/03 listed it as an open reference; the live page disagrees."
    },
    "docsUrl": {
      "value": "https://developer.emoneyadvisor.com/",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/",
      "evidence": "Build, test, and deploy faster than ever with eMoney APIs.",
      "capture": "evidence/emoney/developer-emoneyadvisor-com.txt",
      "note": null
    },
    "style": {
      "value": [],
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "Public pages list endpoints with Get/Create/Update/Delete operations but do not name the API style; the reference pages require sign-in."
    },
    "auth": {
      "value": [
        "oauth2-jwt-cert"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/resources/docs/faq",
      "evidence": "eMoney APIs utilize a certificate-based authentication method for connectivity.",
      "capture": "evidence/emoney/developer-emoneyadvisor-com-resources-docs-faq.txt",
      "note": "FAQ also states: 'When connecting to eMoney Access APIs, you authenticate using a JWT token, not a user.' and 'We use the industry-standard OAuth 2.0 authentication workflow'."
    },
    "howToGetAccess": {
      "value": "Provide the eMoney team with an X.509 public certificate signed by an external, trusted certificate authority; eMoney then provides an admin-level ID.",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/resources/docs/faq",
      "evidence": "you will need to provide the eMoney Team with a X.509 Public Certificate signed by an external, trusted Certificate Authority (CA)",
      "capture": "evidence/emoney/developer-emoneyadvisor-com-resources-docs-faq.txt",
      "note": null
    },
    "sandbox": {
      "value": "unknown",
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "The FAQ advises a separate certificate for testing and for production but does not describe a test environment or how to get one."
    },
    "rateLimits": {
      "value": "60 concurrent calls; Monte Carlo endpoints 250 calls per hour; 429 on exceed",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/resources/docs/faq",
      "evidence": "Our APIs have a built-in rate limit of 60 concurrent calls.",
      "capture": "evidence/emoney/developer-emoneyadvisor-com-resources-docs-faq.txt",
      "note": "FAQ: 'all of our Monte Carlo endpoints have a 250 call per hour limit'."
    },
    "webhooks": {
      "value": null,
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "No webhook page found on the public developer pages read (home, products, FAQ, third-party and aggregation pages)."
    },
    "sdks": {
      "value": [],
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "None named on the public developer pages read. The aggregation page lists web components (Add Accounts, Accounts by Connection, Manage Connections), which are not SDKs."
    },
    "openapi": {
      "value": "none",
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "No OpenAPI download visible on the public pages; the reference pages redirect to a sign-in page. research/03 recorded the download as hidden; not re-verifiable without sign-in."
    },
    "partnerProgram": {
      "value": "Third-party integration requests are submitted through the Contact Us form and reviewed against customer benefit, strategic alignment, technical feasibility, security and capacity.",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/resources/docs/third-party-integration-apis",
      "evidence": "All integration requests are evaluated through our review process",
      "capture": "evidence/emoney/developer-emoneyadvisor-com-resources-docs-products-thirdparty.txt",
      "note": null
    },
    "publicIntegrationList": {
      "value": null,
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "No eMoney-hosted public partner list found on the developer.emoneyadvisor.com pages read (home, products, third-party, aggregation, FAQ)."
    },
    "connectionMechanisms": {
      "value": [
        "native-api"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.emoneyadvisor.com/",
      "evidence": "our APIs give you the power and flexibility to make it happen",
      "capture": "evidence/emoney/developer-emoneyadvisor-com.txt",
      "note": "The developer site navigation also lists Single Sign-on documentation (SAML, Okta, Azure)."
    },
    "mcp": [],
    "whatDocsDontSay": [
      "The planning and aggregation API references are behind a developer-portal sign-in; only the overview, products, FAQ and third-party pages are public.",
      "No public webhook, SDK, sandbox or OpenAPI details were found on the public pages."
    ],
    "changelog": [],
    "summary": "eMoney's APIs use certificate-based authentication: you give eMoney an X.509 certificate and receive an admin-level ID. The published rate limit is 60 concurrent calls, with 250 calls per hour on Monte Carlo endpoints. Third-party integration requests go through eMoney's review and are not guaranteed approval.",
    "license": "CC BY 4.0",
    "attribution": "wealthtech.dev",
    "publisher": "wealthtech.dev"
  }
}