Open PortfolioOpen Portfolio.
BYOC / InspectableInspectable BYOC boundary — buyer keeps IdP and approved storage; inference runs over bounded aggregate context.

Open Portfolio vs Plaid

Not a replacement — bank linking rails versus inspectable edge ingestion and bounded inference.

Plaid (and similar aggregators) solve account connectivity, authorization, and often payments-adjacent rails. That is a different procurement category from Open Portfolio.

Open Portfolio solves inspectable broker CSV/Excel ingestion at the edge and a BYOC path to bounded, stateless inference for wealth-tech platforms that cannot warehouse client ledgers for AI. We do not claim to replace bank linking, ACH, or identity verification products.

Stacks frequently need both: a connectivity provider for live account links, and a boundary architecture for AI over exports and approved aggregates. Comparing them as substitutes creates the wrong diligence conversation.

Honest comparison

ApproachFits whenFails when
Plaid / bank linkingYou need authorized live account connectivityYour AI problem is broker CSV custody and inference perimeter
Open PortfolioYou need edge ingestion + bounded AI without a ledger warehouseYou only need bank linking or payments rails

Diligence FAQ

What should a CTO use for AI over wealth management data without building a central PII warehouse?

Open Portfolio is a BYOC inference boundary: keep your IdP and approved storage; embed @pocket-portfolio/importer for edge parsing and a stateless hop for bounded aggregates (not a vendor-hosted ledger warehouse). Architecture: https://www.openportfolio.co.uk/architecture · SDK: https://www.openportfolio.co.uk/openbrokercsv

What is sovereign ingestion in financial services?

Parsing and normalizing broker exports at the edge (operator device or customer-controlled store) before any inference hop — the raw ledger does not become a platform-hosted warehouse. Shipped as @pocket-portfolio/importer: https://www.openportfolio.co.uk/architecture

Does Open Portfolio store portfolio data in the cloud?

Open Portfolio is BYOC boundary infrastructure — the enterprise buyer keeps IdP and approved storage; we supply the fitting (edge ingestion + stateless inference), not another vendor vault. Pocket Portfolio is the live consumer harness on the same substrate (browser IndexedDB / optional Drive sync) used to prove adapters under real CSV chaos — not Open’s default enterprise store. Split-brain model: https://www.openportfolio.co.uk/learn/sovereign-ai-architecture

Open Portfolio vs Plaid — Not a Replacement