The short answer
Linking accounts to a net worth app is generally safe when the app uses read-only access through a regulated aggregator, never stores your bank password, encrypts access tokens, requires strong sign-in such as passkeys with two-factor, and does not sell your data. Check all five before connecting.
A five-point checklist
- Read-only: the app cannot move money or trade
- No passwords stored: connection via a provider token
- Tokens encrypted with managed keys
- Passkeys or strong 2FA, and re-verification for sensitive actions
- A business model that isn't selling your data or products
How Worthken does it
Worthken is read-only by architecture, signs you in with passkeys and mandatory 2FA, encrypts provider tokens with KMS-managed keys, end-to-end encrypts your vault, keeps balances out of logs, and is paid for by subscriptions, not ads.
Last updated October 4, 2026. General information, not financial, tax or legal advice.