Coast Capital Savings

Coast Capital Savings is a member-owned financial co-operative headquartered in Surrey, British Columbia, serving over 600,000 members across roughly 45 branches. On November 1, 2018 it became Canada's first British Columbia-based federal credit union (regulated federally rather than provincially), and in May 2026 it completed a merger with Prospera Credit Union. With approximately $21.9 billion CAD in total assets it is one of Canada's largest credit unions. As a cooperative credit union rather than a Schedule I/II bank, Coast Capital operates within Canada's voluntary and still-fragmented open-finance landscape: the federal Consumer-Driven Banking (open banking) framework legislated under Budget 2024 and the Fall Economic Statement 2024, with the Financial Consumer Agency of Canada (FCAC) as overseer, is not yet operational. Coast Capital publishes NO public first-party developer portal or documented API; consumer financial-data access today is aggregator-mediated (e.g. Plaid) via screen-scraping/credential-based connections rather than a first-party API.

Coast Capital Savings is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, Canada, Credit Union, and Cooperative.

Coast Capital Savings’ developer surface includes authentication and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

13.6/100 emerging ▬ flat Agent 11/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessNo public API

0 APIs

Financial Services Banking Canada Credit Union Cooperative Consumer-Driven Banking

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 13.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 4.5 / 15

Agent readiness — 11/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/coast-capital/apis.yml: open an issue on github.com/api-evangelist/coast-capital to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	38.3 (thin)	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Coast Capital Authentication

openIdConnect/oauth2 · 1 scheme

SECURITY

Coast Capital Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Coast Capital Scopes

2 scopes · authorizationCode

2 scopes

SCOPES

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: coast-capital
url: https://raw.githubusercontent.com/api-evangelist/coast-capital/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
name: Coast Capital Savings
kind: company
description: 'Coast Capital Savings is a member-owned financial co-operative headquartered in Surrey, British Columbia, serving
  over 600,000 members across roughly 45 branches. On November 1, 2018 it became Canada''s first British Columbia-based federal
  credit union (regulated federally rather than provincially), and in May 2026 it completed a merger with Prospera Credit
  Union. With approximately $21.9 billion CAD in total assets it is one of Canada''s largest credit unions. As a cooperative
  credit union rather than a Schedule I/II bank, Coast Capital operates within Canada''s voluntary and still-fragmented open-finance
  landscape: the federal Consumer-Driven Banking (open banking) framework legislated under Budget 2024 and the Fall Economic
  Statement 2024, with the Financial Consumer Agency of Canada (FCAC) as overseer, is not yet operational. Coast Capital publishes
  NO public first-party developer portal or documented API; consumer financial-data access today is aggregator-mediated (e.g.
  Plaid) via screen-scraping/credential-based connections rather than a first-party API.'
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Consumer-Driven Banking
tags_raw:
- Financial Services
- Banking
- Canada
- Credit Union
- Cooperative
- Consumer-Driven Banking
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/coast-capital-domain-security.yml
- type: WellKnown
  url: well-known/coast-capital-well-known.yml
- type: Authentication
  url: authentication/coast-capital-authentication.yml
- type: OAuthScopes
  url: scopes/coast-capital-scopes.yml
- type: Conformance
  url: conformance/coast-capital-conformance.yml
- type: LLMsTxt
  url: llms/coast-capital-llms.txt
- type: Website
  url: https://www.coastcapitalsavings.com/
- type: PrivacyPolicy
  url: https://www.coastcapitalsavings.com/privacy
- type: LinkedIn
  url: https://www.linkedin.com/company/coast-capital-savings
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Data Aggregation

Coast Capital Savings — frequently asked questions

How do I authenticate with the Coast Capital Savings?

Coast Capital Savings documents its authentication (openIdConnect/oauth2 · 1 scheme). The details are profiled on APIs.io as Coast Capital Authentication.

Is the Coast Capital Savings ready for AI agents?

Coast Capital Savings has a Kin Score of 13.6 out of 100 (emerging) and an Agent Readiness score of 10.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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