Wealth aggregation lets an advisor centralize their clients' contracts and assets in a single interface.
But not all solutions retrieve data the same way. In 2026, there are two broad families of aggregation worth distinguishing.
PENELOP or Open Finance aggregation?
File-based insurer aggregation, known as PENELOP
Insurance companies and platforms send the CGP's software structured files containing contract data directly.
This approach is particularly well suited to tracking contracts distributed by the firm. It generally provides precise data on valuations, holdings, and transactions.
The PENELOP standard is registered with AFNOR (the French standardization body) and serves as a reference for exchanges between insurers and distributors. Its main limitation lies in its scope: the advisor mainly retrieves contracts for which they hold a mandate or agreement with the provider.
Open Finance aggregation
With Open Finance, the client authorizes the connection of their own bank and financial accounts.
This method broadens the wealth picture to include checking accounts, savings accounts, and holdings at third-party institutions. It depends, however, on the client's action, who must connect their accounts and periodically renew their authorizations.
The two models are therefore complementary: PENELOP provides precise tracking of contracts managed by the firm, while Open Finance broadens the view to external assets.
Comparing the leading wealth aggregators
Solution | Strengths | Limitations | Rating |
|---|---|---|---|
Harvest | Historical reference, very powerful multi-custodian aggregation, and a complete functional ecosystem | Interface and environment can be complex at times. AI remains focused on a few targeted use cases | ★★★★★ |
Wealthcome | Modern interface, broad wealth view, and a well-crafted client experience | Several modules may be needed to cover the whole journey, which raises the overall cost | ★★★★☆ |
Wizio | Accessible all-in-one solution with built-in CRM and compliance | Relies mainly on bank aggregation: the client has to connect their accounts and renew authorizations | ★★★☆☆ |
Apana | PENELOP feeds via more than 40 platforms, integrated CRM, compliance, and financial analysis. A contract viewer comparable to the history offered by Prisme or Manymore. Data feeds directly into Advisor and Finance | Open Finance coverage is still limited, and connections depend on agreements set up with each insurer | ★★★★☆ |
Our methodology This comparison was carried out in July 2026 based on vendors' public information, demos, and our own knowledge of the wealth aggregation market. Apana is the publisher of one of the solutions presented: the ratings reflect our own reading of each platform's strengths and limitations, not an independent test.
How to choose your aggregator
The total number of connections is a useful indicator, but it isn't enough on its own.
Before choosing a solution, check:
whether your main insurers and platforms are covered
the type of aggregation offered: PENELOP, Open Finance, or both
the depth of the data retrieved
how often updates happen
how connection failures are handled
the quality of the contract viewer
how the data is used in the CRM, compliance, and analysis
export and reversibility options
The best test is to request a demo using your own partners and several real contracts.
A long list of connections gives a first indication. The quality of the data retrieved, and how it's actually put to use day to day at the firm, is what really makes the difference.
Want to see how Apana's aggregation ties into Advisor and Finance on your own contracts?