Connect Wealthsimple Trade to Mozaic — see your Wealthsimple positions alongside everything else.

Wealthsimple Trade, via SnapTrade's OAuth integration

Wealthsimple is one of the small group of Canadian brokers that exposes a clean OAuth flow to third-party aggregators. When you click Add brokerage in Mozaic and pick Wealthsimple Trade, you're handed off to a Wealthsimple-hosted popup running on wealthsimple.com. You sign in with your Wealthsimple email and password the same way you would on the Wealthsimple app, clear two-factor authentication if you have it enabled, and authorise the connection. SnapTrade receives a read-only token from Wealthsimple and forwards account-level data to Mozaic — your credentials never leave Wealthsimple's domain.

The whole exchange takes about ninety seconds. Once the token is in place, your Cash, TFSA, RRSP, FHSA, RESP, and Margin accounts appear in Mozaic within a minute and start syncing on a rolling schedule. Read-only means exactly that: Mozaic can see what you hold, what you bought it at, and what's moved through the account, but it cannot place trades, transfer cash, or change anything inside Wealthsimple. The token sits with SnapTrade and refreshes silently; Mozaic surfaces a reauth prompt directly in the app if Wealthsimple ever asks you to confirm consent again.

Cash, TFSA, RRSP, FHSA, Margin — all of it

Mozaic reads every self-directed Wealthsimple Trade product SnapTrade exposes. That covers the tax-sheltered side — TFSA, RRSP, FHSA, RESP — and the taxable side — Cash (non-registered) and the Margin account available on the Premium and Generation tiers. Every position lands in Mozaic with its symbol, quantity, market value, average cost, and the unrealised gain or loss against your book value. Transactions (buys, sells, dividends, deposits, withdrawals, contributions) come through too, so the cash-flow narrative in Mozaic doesn't pretend money appears out of nowhere when you fund a TFSA.

Each position keeps its native currency. Wealthsimple Trade Premium and Generation let you hold US-listed ETFs and stocks in USD without the 1.5% Core conversion; Mozaic preserves the USD book value on every USD position rather than rebasing everything to CAD up-front. The reporting currency you pick in Mozaic is applied at the summary level only, using a daily FX rate, so the per-position numbers you see match what Wealthsimple's own app shows you.

Wealthsimple Crypto, Cash account, and tier-gated USD

Wealthsimple Crypto is not part of the brokerage connection. It sits on a separate Wealthsimple product (with its own wallet, its own custody, and its own KYC layer) and isn't reached through the same SnapTrade integration. If you want your crypto to count toward your Mozaic net worth, the cleanest path is to track it as a manual asset; the price feed for the major coins is already wired in. The brokerage connection itself covers everything Wealthsimple Trade exposes under Invest: equities, ETFs, and the small set of fixed-income options Wealthsimple has rolled out.

Wealthsimple Cash — the standalone savings-like product with the spending card — is also separate from the brokerage. SnapTrade reads the Trade investing accounts; Wealthsimple Cash flows through Plaid like a regular bank account. Both show up in Mozaic, just through different rails. If you have the spending card, the credit-card-like transaction stream lands on the cash-flow page alongside whatever bank you keep your chequing at.

The USD-positions tier-gating is the third thing worth knowing. Wealthsimple Trade Core converts every USD-listed trade back to CAD at a 1.5% spread. Premium and Generation accounts can hold USD natively. Mozaic doesn't care which tier you're on — but if you're on Core, the USD positions you'll see in Mozaic are the post-conversion CAD positions Wealthsimple stores them as, not USD positions. That's a Wealthsimple decision, not a Mozaic limit.

Wealthsimple fits into a bigger picture once it's connected

The point of connecting Wealthsimple Trade isn't to see your Wealthsimple balance — the Wealthsimple app does that already, and does it well. The point is to see Wealthsimple alongside everything else: your RBC chequing, your TD credit card, your Questrade margin account if you keep one for options, and the FHSA at one institution while your RRSP sits at another. Mozaic composes them into one net-worth line in your reporting currency of choice, runs the cash-flow narrative across the whole picture, and tracks goals (down-payment via FHSA, RRSP contribution room, year-over-year net-worth growth) against the accounts that actually fund them.

The broker is just the start of the story — the rest of the story is what your money is doing across institutions. Wealthsimple is the largest Canadian-owned self-directed broker by user count, so for a lot of Canadians it's the anchor investing account; Mozaic treats it that way without making your bank-side accounts feel like an afterthought.