Desjardins Group

Desjardins Group (Mouvement Desjardins) is the largest cooperative financial group in North America, founded in 1900 in Lévis, Quebec by Alphonse Desjardins. It is a federation of caisses populaires (member-owned credit unions) rather than a share-capital chartered bank, comprising the Fédération des caisses Desjardins du Québec and its subsidiaries, the caisses in Quebec and the Caisse Desjardins Ontario Credit Union, regulated in Quebec by the Autorité des marchés financiers (AMF). It holds roughly CAD $470 billion in assets and serves more than 7.8 million members and clients with personal, business, wealth-management and insurance products. On open finance, Desjardins publishes no first-party public developer portal or downloadable API specification; developer.desjardins.com and other API-portal subdomains do not resolve, and consumer financial-data access is delivered today through third-party aggregators (Flinks, Plaid, Finicity, Tink) via screen-scraping/aggregator connectivity rather than a documented Desjardins API. Canada's Consumer-Driven Banking (open-banking) framework is legislated (Budget 2024/2025, overseen by the FCAC) but not yet operational; as a cooperative outside the Big Six, Desjardins may opt in to Phase 1 rather than being mandated.

Desjardins Group is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Canada, Credit Union, and Caisse Populaire.

Desjardins Group’s developer surface includes engineering blog, support, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.9/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Financial-Services Banking Canada Credit UnionCaisse PopulaireCooperative Consumer-Driven Banking Data Aggregation Quebec

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 11.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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/.

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 github.com/api-evangelist/desjardins: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 2

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

Desjardins Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Desjardins Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Security

Security

SecurityTxt

SecurityTxt

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: desjardins
url: https://raw.githubusercontent.com/api-evangelist/desjardins/refs/heads/main/apis.yml
name: Desjardins Group
kind: company
description: Desjardins Group (Mouvement Desjardins) is the largest cooperative financial group in North America, founded
  in 1900 in Lévis, Quebec by Alphonse Desjardins. It is a federation of caisses populaires (member-owned credit unions) rather
  than a share-capital chartered bank, comprising the Fédération des caisses Desjardins du Québec and its subsidiaries, the
  caisses in Quebec and the Caisse Desjardins Ontario Credit Union, regulated in Quebec by the Autorité des marchés financiers
  (AMF). It holds roughly CAD $470 billion in assets and serves more than 7.8 million members and clients with personal, business,
  wealth-management and insurance products. On open finance, Desjardins publishes no first-party public developer portal or
  downloadable API specification; developer.desjardins.com and other API-portal subdomains do not resolve, and consumer financial-data
  access is delivered today through third-party aggregators (Flinks, Plaid, Finicity, Tink) via screen-scraping/aggregator
  connectivity rather than a documented Desjardins API. Canada's Consumer-Driven Banking (open-banking) framework is legislated
  (Budget 2024/2025, overseen by the FCAC) but not yet operational; as a cooperative outside the Big Six, Desjardins may opt
  in to Phase 1 rather than being mandated.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Canada
- Credit Union
- Caisse Populaire
- Cooperative
- Consumer-Driven Banking
- Data Aggregation
- Quebec
tags_raw:
- Financial Services
- Banking
- Canada
- Credit Union
- Caisse Populaire
- Cooperative
- Consumer-Driven Banking
- Data Aggregation
- Quebec
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: VulnerabilityDisclosure
  url: security/desjardins-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/desjardins-domain-security.yml
- type: Website
  url: https://www.desjardins.com/
- type: LinkedIn
  url: https://ca.linkedin.com/company/desjardins
- type: Blog
  url: https://blogues.desjardins.com/
- type: PrivacyPolicy
  url: https://www.desjardins.com/ca/privacy/index.jsp
- type: TermsOfService
  url: https://www.desjardins.com/en/terms-use-legal-notes.html
- type: Security
  url: https://www.desjardins.com/en/security.html
- type: Support
  url: https://www.desjardins.com/en/contact-us.html
- type: WellKnown
  url: well-known/desjardins-well-known.yml
- type: SecurityTxt
  url: well-known/desjardins-security.txt
- type: LLMsTxt
  url: llms/desjardins-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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