# eMoney Advisor API: access, auth, sandbox and MCP (checked Oct 2026)

> 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.

- Vendor: eMoney Advisor, LLC (eMoney Advisor, LLC)
- Website: https://emoneyadvisor.com/
- Category: Financial planning (core)
- API access: Partner-gated
- Last checked: 2026-10-17
- Id: `emoney` · JSON: https://wealthtech.dev/products/emoney.json

## Developer surface

| Field | Value | Source and quote | Checked |
|---|---|---|---|
| API access | Partner-gated | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/resources/docs/third-party-integration-apis) "submitting a request does not guarantee approval or immediate access to integrate" | 2026-10-17 |
| Developer docs | https://developer.emoneyadvisor.com/ | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/) "Build, test, and deploy faster than ever with eMoney APIs." | 2026-10-17 |
| API style | Not found | Not found. Public pages list endpoints with Get/Create/Update/Delete operations but do not name the API style; the reference pages require sign-in. Public pages list endpoints with Get/Create/Update/Delete operations but do not name the API style; the reference pages require sign-in. | 2026-10-17 |
| Authentication | OAuth 2.0 (JWT with certificate) | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/resources/docs/faq) "eMoney APIs utilize a certificate-based authentication method for connectivity." | 2026-10-17 |
| How to get access | Provide the eMoney team with an X.509 public certificate signed by an external, trusted certificate authority; eMoney then provides an admin-level ID. | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/resources/docs/faq) "you will need to provide the eMoney Team with a X.509 Public Certificate signed by an external, trusted Certificate Authority (CA)" | 2026-10-17 |
| Sandbox | Not found | Not found. The FAQ advises a separate certificate for testing and for production but does not describe a test environment or how to get one. The FAQ advises a separate certificate for testing and for production but does not describe a test environment or how to get one. | 2026-10-17 |
| Rate limits | 60 concurrent calls; Monte Carlo endpoints 250 calls per hour; 429 on exceed | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/resources/docs/faq) "Our APIs have a built-in rate limit of 60 concurrent calls." | 2026-10-17 |
| Webhooks | Not found | Not found. No webhook page found on the public developer pages read (home, products, FAQ, third-party and aggregation pages). No webhook page found on the public developer pages read (home, products, FAQ, third-party and aggregation pages). | 2026-10-17 |
| SDKs | Not found | Not found. 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. 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. | 2026-10-17 |
| OpenAPI spec | Not found | Not found. 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. 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. | 2026-10-17 |
| Partner program | Third-party integration requests are submitted through the Contact Us form and reviewed against customer benefit, strategic alignment, technical feasibility, security and capacity. | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/resources/docs/third-party-integration-apis) "All integration requests are evaluated through our review process" | 2026-10-17 |
| Public integration list | Not found | Not found. No eMoney-hosted public partner list found on the developer.emoneyadvisor.com pages read (home, products, third-party, aggregation, FAQ). No eMoney-hosted public partner list found on the developer.emoneyadvisor.com pages read (home, products, third-party, aggregation, FAQ). | 2026-10-17 |
| Ways to connect | Native API | Checked on the source's own page. [developer.emoneyadvisor.com](https://developer.emoneyadvisor.com/) "our APIs give you the power and flexibility to make it happen" | 2026-10-17 |

## MCP servers and AI connectors

None recorded on public pages we checked.

## What the docs don't say

- 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.

## Changes

No changes recorded since this record was first published.
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Source: https://wealthtech.dev/products/emoney · Facts licensed CC BY 4.0 (attribution "wealthtech.dev"). Every fact states where it was checked and when; check the source before relying on it.