# Vancity

**Canonical:** https://apis.io/providers/vancity/  
**Website:** https://www.vancity.com/  
**APIs profiled:** 0

Vancity (Vancouver City Savings Credit Union) is a member-owned financial co-operative headquartered in Vancouver, British Columbia, and the largest community credit union in Canada, with over 543,000 members, roughly CA$35 billion in assets, and about 60 branches across the Lower Mainland and Vancouver Island. Founded in 1946 as an open-bond credit union, it is provincially chartered and cooperatively governed, offering retail and business banking, mortgages, foreign exchange, Visa cards, insurance, and investment advice, with values-based and impact-lending positioning. Vancity exposes no first-party public developer API portal: developer.vancity.com and developers.vancity.com do not resolve. It participates in Canada's shared payment rails through Central 1 (its banking-technology and payments provider, including enhanced Interac e-Transfer real-time payments) and Payments Canada, while third-party consumer data access is provided through aggregators such as Plaid and Flinks. Canada's federal Consumer-Driven Banking (open banking) framework is legislated but not yet operational, so any programmatic account access today is voluntary and aggregator-mediated rather than served by a documented Vancity API.

## Kin Score — 2.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 2.4).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Vancity Domain Security** — TLSv1.3 · DMARC

## Tags

Financial-Services, Banking, Canada, Credit Union, Cooperative, Interac, Payments, Data Aggregation

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