Linking a bank or brokerage to Wealth

Bank balances and brokerage holdings flow into Wealth via Plaid. Plaid is the same network that powers Mint, Personal Capital, Copilot, etc., and Turtini uses your *personal* Plaid scope (separate from any org-level bank-feed connections on the Accounting side).

To link a bank:

1. /me/wealth → "Link a bank or brokerage" (or "+ Add asset" → Cash & Bank → "Link via Plaid").
2. The Plaid Link flow opens. Search your bank, sign in with your bank credentials (Plaid handles them; Turtini never sees the password), and pick the accounts you want fed into Wealth.
3. Approve the read scopes — for Wealth we ask for balances and (if you also pick brokerage accounts) Investments holdings. We do NOT request transactions on the personal bank-feed; balance-sheet positions are the goal, not statement scraping.
4. Save — accounts appear under "Cash & Bank" and "Investments" immediately, with their current balances. Future refreshes happen automatically every few hours; the "Refresh now" button forces a walk on demand.

To unlink: open the asset detail page → "Unlink Plaid account" → confirm. The asset stays in your history with a final balance snapshot but stops auto-updating.

To link a brokerage:

Same Plaid flow — most major US brokerages (Fidelity, Schwab, Vanguard, Robinhood, E\*TRADE, etc.) speak Plaid Investments natively. Each holding shows up as a position with the current per-share price, market value, and a per-share unrealized gain/loss.

For crypto:

There isn't a one-click flow yet — paste your wallet's *public* address (BTC, ETH, SOL, etc.) into "Add asset" → Crypto. Wealth pulls current balance and prices through CoinGecko. We never ask for a private key.

For real estate:

"Add asset" → Real Estate → paste the property address. Rentcast returns a current comp-based valuation and Wealth re-prices it daily. If Rentcast doesn't have the area covered (or the answer is wrong), set a manual override; manual always wins over the model.

For vehicles:

"Add asset" → Vehicle → year / make / model / trim / mileage. The KBB-style valuation comes back inline. Manual override available if you've put a custom-build dollar figure on it.

For private businesses you own:

If the business runs on Turtini, link the org from "Add asset" → Private Business → "I run this on Turtini" → pick the org. The book value pulls from the org's actual Accounting books (Assets − Liabilities, on the latest closed period). If the business is elsewhere, enter manually and update as you close books on it.

Provider-level toggles:

If you don't want a particular data source (say, you trust Rentcast for some properties and not others), per-asset toggles let you override on a row-by-row basis. The "Refresh" button respects each toggle and only calls the providers each asset opted into.

PLACEHOLDER mode:

In development environments where the platform's Plaid / Rentcast / Finnhub keys aren't set, providers return stub data so the UI still renders. Production orgs always see real numbers — there's no silent fallback that would let a stub valuation post to your actual net worth.