Account aggregation lets a client securely connect supported institutions so Kerdora can receive current account data without repeated manual balance entry. The connection is provided through MoneyKit.
Connection workflow
The client chooses Link Account in Profile Accounts.
The client authenticates directly with the institution.
The institution appears in Pending Review.
Each discovered account is linked to an existing record, created as new, or skipped.
Confirm & Sync activates the selected accounts.
Linking an investment account replaces its manual holdings with the live institution holdings. Review that warning before confirmation.
Data received
Depending on institution support, a link can provide account metadata, balances, investment holdings, and transactions. Balances feed the client record and Financials; assigned accounts can support Goals; holdings feed Investments; transactions feed Spending.
Institution data does not complete the full plan. The advisor must still confirm owner, subtype, tax status, Goal assignment, time horizon, beneficiary information, and other planning fields.
Status and maintenance
Connected: syncing normally.
Pending Review: account decisions still require confirmation.
Stale: data may be old; refresh and recheck.
Error: the client must reconnect when bank reauthentication is required.
Advisors can refresh a healthy connection. Only the client can complete errored-link reauthentication because it requires the client's institution credentials.
Planning discipline
Always check the last sync before relying on a balance or holding in a meeting. A link can supply some products but not others. Use manual records or a supported import when an institution or account is unavailable.
Never ask a client to send a password or security code. For support, provide the institution, account mask, status, timestamp, and visible error only.