# KOHO

**Canonical:** https://apis.io/providers/koho/  
**Website:** https://www.koho.ca/  
**APIs profiled:** 0

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.

## Kin Score — 15.9 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 14.8).

| Facet | Score |
|---|---|
| Discoverability | 61.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Security (3)

- **Koho Domain Security** — TLSv1.3 · HSTS · DMARC
- **Koho Vulnerability Disclosure** — Hackerone · security.txt · contact published
- **Koho Trust Center** — SOC 2 Type 2, PCI DSS

## Tags

Financial-Services, Banking, Canada, Fintech, Neobank, Payments, Interac, Data Aggregation, Consumer-Driven Banking

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/koho/). Scores are computed from the provider's own public artifacts under a published rubric.