Neo Financial

Neo Financial is a Calgary- and Winnipeg-based Canadian fintech (neobank) founded in 2019 by the founders of SkipTheDishes, offering credit cards, savings, money, investing, and mortgage products to consumers. Neo is not a chartered bank and holds no Canadian banking licence; it delivers CDIC-eligible deposits and card issuance through regulated partner institutions — Peoples Bank of Canada for everyday accounts, ATB Financial as Mastercard credit-card issuer, and formerly Concentra Bank (now part of Equitable Bank) for savings. Neo operates a consumer mobile and web platform only and publishes no first-party public developer API or developer portal; third-party access to Neo accounts today is available solely through data aggregators such as Flinks (a National Bank-owned Canadian aggregator) and Plaid via credential/screen-scraping access, not a documented first-party API. Canada's federal Consumer-Driven Banking (open banking) framework, legislated in Budget 2024 and overseen by the Financial Consumer Agency of Canada, is not yet operational, so no first-party FDX or CDB data API exists. Neo maintains a public GitHub organization of internal engineering tooling and an engineering blog, but ships no public API products.

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

Neo Financial’s developer surface includes engineering blog, support, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.4/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 46/100 slowing saas 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 Fintech Neobank Consumer Finance Credit Cards

Kin Score

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

Composite quality — 9.4/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.7 / 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

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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

13 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
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Access Clarity scores 21.1 — up to +15.8 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/neo-financial/apis.yml: open an issue on github.com/api-evangelist/neo-financial 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	28.8 (thin)	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	28.8 (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 1

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

Neo Financial Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

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 4

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Blog

Blog

Source (apis.yml)

aid: neo-financial
url: https://raw.githubusercontent.com/api-evangelist/neo-financial/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: Neo maintains a public GitHub organization of internal engineering tooling and an engineering blog, but
  ships no public API products.
name: Neo Financial
kind: company
description: Neo Financial is a Calgary- and Winnipeg-based Canadian fintech (neobank) founded in 2019 by the founders of
  SkipTheDishes, offering credit cards, savings, money, investing, and mortgage products to consumers. Neo is not a chartered
  bank and holds no Canadian banking licence; it delivers CDIC-eligible deposits and card issuance through regulated partner
  institutions — Peoples Bank of Canada for everyday accounts, ATB Financial as Mastercard credit-card issuer, and formerly
  Concentra Bank (now part of Equitable Bank) for savings. Neo operates a consumer mobile and web platform only and publishes
  no first-party public developer API or developer portal; third-party access to Neo accounts today is available solely through
  data aggregators such as Flinks (a National Bank-owned Canadian aggregator) and Plaid via credential/screen-scraping access,
  not a documented first-party API. Canada's federal Consumer-Driven Banking (open banking) framework, legislated in Budget
  2024 and overseen by the Financial Consumer Agency of Canada, is not yet operational, so no first-party FDX or CDB data
  API exists. Neo maintains a public GitHub organization of internal engineering tooling and an engineering blog, but ships
  no public API products.
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
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  source:
  - 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
- Fintech
- Neobank
- Consumer Finance
- Credit Cards
tags_raw:
- Financial Services
- Banking
- Canada
- Fintech
- Neobank
- Consumer Finance
- Credit Cards
- Financial-Services
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/neo-financial-domain-security.yml
- type: Packages
  url: packages/neo-financial-packages.yml
- type: Website
  url: https://www.neofinancial.com/
- type: GitHubOrganization
  url: https://github.com/neofinancial
- type: LinkedIn
  url: https://www.linkedin.com/company/neo-financial
- type: Blog
  url: https://www.neofinancial.com/blog
- type: Blog
  url: https://engineering.neofinancial.com/
- type: Support
  url: https://support.neofinancial.com/hc/en-ca
- type: PrivacyPolicy
  url: https://www.neofinancial.com/legal/privacy-policy
- type: TermsOfService
  url: https://legal.neo.cc/platform-terms-conditions
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-tags-removed:
- Data Aggregation

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