KOHO

KOHO is a Canadian financial-technology company (neobank) founded in 2014 by Daniel Eberhard and headquartered in Vancouver, British Columbia, serving more than 2.5 million Canadians through a mobile-first money app. KOHO is not a chartered bank; it issues a KOHO Mastercard prepaid card through KOHO Financial Inc. and places customer balances in trust with CDIC-member institutions (its longstanding banking partner is Peoples Trust Company), while offering high-interest savings, cash back, credit building, Cover cash advances, and Pay Later. The company is in the final stages of pursuing a federal Schedule I banking licence, which would make it one of Canada's first new federally regulated banks in decades, and in May 2026 it joined the Interac e-Transfer network directly as a Participant under the broadened access for Payment Service Providers. On the open-finance front, KOHO exposes no first-party public developer API or portal; consumer account and transaction data access today is available only through third-party aggregators (Plaid and Flinks), consistent with Canada's voluntary, not-yet-operational Consumer-Driven Banking framework.

KOHO is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Canada, Fintech, and Neobank.

KOHO’s developer surface includes support, signup flow, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
15.9/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs
Financial-ServicesBankingCanadaFintechNeobankPaymentsInteracData AggregationConsumer-Driven Banking

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 15.9/100 · emerging
Contract Quality 0.0 / 21
Developer Ergonomics 0.8 / 17
Access Clarity 6.3 / 17
Operational Transparency 1.2 / 11
Contract Governance 0.0 / 10
Discoverability 5.2 / 9
Regulatory Posture 4.7 / 15
Agent readiness — 3/100 · 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 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.
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/. This rating is computed from github.com/api-evangelist/koho: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 3

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

Koho Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Koho Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Koho Trust Center

SOC 2 Type 2, PCI DSS

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp
SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 DomainSecurity
DomainSecurity
 TrustCenter
TrustCenter
 Compliance
Compliance
 SecurityTxt
SecurityTxt

Operate 2

Status, limits, changes, and where to get help

Support
Support
 HelpCenter
HelpCenter

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: koho
url: https://raw.githubusercontent.com/api-evangelist/koho/refs/heads/main/apis.yml
name: KOHO
kind: company
description: KOHO is a Canadian financial-technology company (neobank) founded in 2014 by Daniel Eberhard and headquartered
  in Vancouver, British Columbia, serving more than 2.5 million Canadians through a mobile-first money app. KOHO is not a
  chartered bank; it issues a KOHO Mastercard prepaid card through KOHO Financial Inc. and places customer balances in trust
  with CDIC-member institutions (its longstanding banking partner is Peoples Trust Company), while offering high-interest
  savings, cash back, credit building, Cover cash advances, and Pay Later. The company is in the final stages of pursuing
  a federal Schedule I banking licence, which would make it one of Canada's first new federally regulated banks in decades,
  and in May 2026 it joined the Interac e-Transfer network directly as a Participant under the broadened access for Payment
  Service Providers. On the open-finance front, KOHO exposes no first-party public developer API or portal; consumer account
  and transaction data access today is available only through third-party aggregators (Plaid and Flinks), consistent with
  Canada's voluntary, not-yet-operational Consumer-Driven Banking framework.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Canada
- Fintech
- Neobank
- Payments
- Interac
- Data Aggregation
- Consumer-Driven Banking
tags_raw:
- Financial Services
- Banking
- Canada
- Fintech
- Neobank
- Payments
- Interac
- Data Aggregation
- Consumer-Driven Banking
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: VulnerabilityDisclosure
  url: security/koho-vulnerability-disclosure.yml
- type: Security
  url: https://hackerone.com/koho
- type: DomainSecurity
  url: security/koho-domain-security.yml
- type: TrustCenter
  url: https://www.koho.ca/security/
- type: Compliance
  url: https://www.koho.ca/security/
- type: WellKnown
  url: well-known/koho-well-known.yml
- type: SecurityTxt
  url: well-known/koho-security.txt
- type: Website
  url: https://www.koho.ca/
- type: LinkedIn
  url: https://www.linkedin.com/company/koho
- type: TermsOfService
  url: https://www.koho.ca/legal/
- type: PrivacyPolicy
  url: https://www.koho.ca/legal/
- type: Support
  url: https://www.koho.ca/contact/
- type: HelpCenter
  url: https://help.koho.ca/
- type: SignUp
  url: https://web.koho.ca/register
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com