Riskalyze (Nitrogen) Risk Alignment API
Riskalyze (rebranded as Nitrogen) risk tolerance and portfolio alignment REST API for financial advisor investment suitability and client risk profiling. Enables AI agents to manage client risk tolerance questionnaire and Risk Number scoring for suitability documentation, handle portfolio risk analysis and alignment scoring against client risk profile, access stress testing and portfolio scenario analysis for client risk communication, retrieve portfolio construction recommendations aligned to client Risk Number for automated investment proposals, manage household-level risk consolidation across multiple accounts for comprehensive risk alignment, handle compliance documentation of suitability assessment for regulatory audit trail, access model portfolio matching and proposal generation for investment recommendation automation, retrieve behavioral coaching insights for client communication automation, manage risk-based rebalancing triggers for portfolio drift monitoring, and integrate Riskalyze with portfolio management, CRM, and financial planning systems.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Risk analytics. SOC2. OAuth2 with scopes. US. Client risk and investment suitability data.
⚡ Reliability
Best When
An RIA or broker-dealer using Riskalyze/Nitrogen wanting AI agents to automate client risk profiling, portfolio alignment scoring, suitability documentation, stress testing, and investment proposal generation.
Avoid When
SEC/FINRA SUITABILITY AND REG BI COMPLIANCE: Automated risk assessment and investment recommendations using Risk Number scores must meet SEC Reg BI best interest or FINRA suitability requirements; automated portfolio recommendations without complete client profile (time horizon, liquidity needs, tax situation) create suitability violation. Overreliance on single metric — automated investment decisions based solely on Risk Number score without holistic financial planning creates incomplete suitability analysis; Risk Number is one input, not complete suitability determination. Behavioral risk tolerance vs capacity — automated risk tolerance measurement captures stated preference, not financial capacity to absorb loss; automated portfolio construction must also assess risk capacity (income, assets, liabilities); misalignment creates inappropriate portfolio risk. GIPS and performance advertising — automated Riskalyze stress test outputs shared with clients must comply with SEC advertising rules; automated marketing use of stress test results without required disclosures creates SEC marketing rule violation.
Use Cases
- • Assessing client risk tolerance from suitability agents
- • Aligning portfolios to risk profiles from investment proposal agents
- • Stress-testing portfolios from risk analytics agents
- • Documenting suitability from compliance agents
Not For
- • Institutional asset managers without retail suitability focus
- • Individual investors without financial advisor intermediary
- • Non-financial services without investment risk context
Interface
Authentication
Riskalyze (Nitrogen) uses OAuth 2.0 with scopes. REST API with JSON. Auburn, California HQ. Founded 2011. Private (Broadhaven Capital Partners, Francisco Partners PE). Rebranded from Riskalyze to Nitrogen in 2023. 30,000+ financial advisors. Risk Number patent holder. $4T+ AUM assessed. Competes with Orion Risk Intelligence, Morningstar, and HiddenLevers for financial advisor risk analytics.
Pricing
Auburn, California. Francisco Partners PE. Founded 2011. Rebranded Nitrogen 2023. 30,000+ advisors. Risk Number patent. $4T+ AUM assessed.
Agent Metadata
Known Gotchas
- ⚠ REG BI SUITABILITY COMPLETENESS: Risk Number alone is insufficient for Reg BI best interest compliance; automated investment recommendations must incorporate complete client profile (time horizon, liquidity needs, tax situation, financial goals); automated proposals based only on Risk Number create incomplete suitability documentation
- ⚠ Risk tolerance vs risk capacity distinction — automated client profiling must assess both risk tolerance (psychological) and risk capacity (financial); automated portfolio construction that ignores risk capacity creates inappropriate portfolio risk for clients with low financial resilience
- ⚠ Rebrand API compatibility — Riskalyze rebranded to Nitrogen in 2023; verify current API endpoint domains and documentation reflect Nitrogen branding; legacy Riskalyze API references may be deprecated
- ⚠ Stress test disclosure requirements — automated sharing of Nitrogen stress test results with clients must comply with SEC marketing rule required disclosures (methodology, assumptions, limitations); automated marketing use without disclosures creates SEC marketing rule violation
- ⚠ Household consolidation complexity — automated risk scoring at household level must aggregate across custodians and account types; incomplete household view creates inaccurate aggregate risk assessment
- ⚠ Questionnaire delivery compliance — automated risk tolerance questionnaire delivery must ensure client completes it themselves, not advisor proxy completion; advisor-completed questionnaires create suitability documentation integrity risk
Alternatives
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Scores are editorial opinions as of 2026-03-07.