API Evangelist Sector Report
The State of Canadian Banking APIs
42 Canadian institutions scored — the emptiest banking market measured, where the rails outrank the banks and the Big Six sit at the bottom. The full anatomy, and the investable thesis, for operators and investors.
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Canadian Banking
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
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42 providers
Developing 3 45–59.9 Real signal across most facets with visible, nameable gaps.
1
Moneris Developing agent native Payments & Infrastructure
Moneris (Moneris Solutions Corporation) is Canada's largest payment processor and merchant-acquiring company, founded in December 2000 as a joint venture equ...
Composite
58.7
Agent
83.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 58.7/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
14.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
5.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
13.1 / 15
Agent readiness — 84/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
2
Payments Canada Developing agent native Payments & Infrastructure
Payments Canada (formerly the Canadian Payments Association) is the public-purpose organization created by federal statute (the Canadian Payments Act) that o...
Composite
45.9
Agent
69.2
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 45.9/100 · developing
Contract Quality
13.1 / 25
Developer Ergonomics
13.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
11.4 / 15
Agent readiness — 69/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
3
Scotiabank Developing agent ready Big Six
Scotiabank is one of Canada's leading financial institutions and a major international bank. Through its Scotia TranXact developer portal, Scotiabank provide...
Composite
45.3
Agent
48.1
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 45.3/100 · developing
Contract Quality
16.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
8.8 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
8.8 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Thin 3 30–44.9 Limited machine-readable signal beyond documentation a human can read.
4
Nuvei Thin agent aware Fintech & Challenger
Nuvei is a global payment technology company headquartered in Montreal,
Composite
37.6
Agent
44.2
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 37.6/100 · thin
Contract Quality
15.6 / 25
Developer Ergonomics
3.0 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
0.0 / 13
Governance
8.8 / 12
Discoverability
6.8 / 10
Regulatory · Payments
3.6 / 15
Agent readiness — 44/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
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
7 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
5
BMO Financial Group Thin human only Big Six
BMO Financial Group (Bank of Montreal) is one of Canada's Big Six banks and a Schedule I domestic chartered bank, founded in Montreal in 1817 as Canada's old...
Composite
35.6
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 35.6/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
6
Interac Thin agent aware Payments & Infrastructure
Interac Corp. is Canada's domestic payments and digital verification network, founded in 1984 as the Interac Association and reorganized as a for-profit corp...
Composite
33.4
Agent
26.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 33.4/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
Emerging 24 15–29.9 More than an index entry but still mostly links rather than artifacts.
7
Wealthsimple Emerging human only Fintech & Challenger
'Wealthsimple is a Toronto-based Canadian financial technology company, founded in 2014,
Composite
28.8
Agent
6.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 28.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
12.1 / 20
Operational Transparency
4.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
3 / 3
8
Steinbach Credit Union Emerging human only Credit Union & Caisse
Steinbach Credit Union (SCU) is a member-owned financial cooperative founded in 1941 and headquartered in Steinbach, Manitoba, Canada, operating three branch...
Composite
27.0
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 27.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.8 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
11.4 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
9
Royal Bank of Canada Emerging human only Big Six
Royal Bank of Canada (RBC) is Canada's largest bank by market capitalization and one of the country's Big Six, a Schedule I domestic bank chartered under the...
Composite
24.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 24.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
7.4 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
10
KOHO Emerging human only Fintech & Challenger
KOHO is a Canadian financial-technology company (neobank) founded in 2014
Composite
24.3
Agent
6.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 24.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
3 / 3
11
Alterna Savings Emerging human only Credit Union & Caisse
Alterna Savings and Credit Union Limited is a member-owned financial cooperative (credit union) founded in 1908 as the Civil Service Savings and Loan Society...
Composite
22.1
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 22.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
12
connectFirst Credit Union Emerging human only Credit Union & Caisse
connectFirst Credit Union is a member-owned, cooperative (Schedule-equivalent provincial credit union) financial institution headquartered in Calgary, Albert...
Composite
19.8
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 19.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
13
Canadian Tire Bank Emerging human only Schedule I (Domestic)
Canadian Tire Bank (operating as Canadian Tire Financial Services) is a federally regulated Schedule I bank, wholly owned by Canadian Tire Corporation, Limit...
Composite
19.5
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 19.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
14
Coast Capital Savings Emerging human only Credit Union & Caisse
Coast Capital Savings is a member-owned financial co-operative headquartered in Surrey, British Columbia, serving over 600,000 members across roughly 45 bran...
Composite
19.5
Agent
13.5
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 19.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 14/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
0 / 3
15
Vancity Community Investment Bank Emerging human only Schedule I (Domestic)
Vancity Community Investment Bank (VCIB) is a federally regulated Schedule I chartered bank headquartered in Toronto, Ontario, and a wholly owned subsidiary ...
Composite
19.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 19.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
16
Brim Financial Emerging human only Fintech & Challenger
Brim Financial is a Toronto-based Canadian fintech (founded 2017) that operates a fully-integrated, API-first credit-card Platform-as-a-Service (PaaS). It is...
Composite
18.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 18.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
17
Desjardins Group Emerging human only Schedule I (Domestic)
Desjardins Group (Mouvement Desjardins) is the largest cooperative financial group in North America, founded in 1900 in Lévis, Quebec by Alphonse Desjardins....
Composite
18.1
Agent
6.7
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 18.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
6.5 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
3 / 3
18
Tangerine Emerging human only Digital Arm
Tangerine is a Canadian direct (branchless) bank headquartered in Toronto, Ontario, and a federally regulated Schedule I bank chartered as Tangerine Bank (in...
Composite
17.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 17.2/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.8 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
19
Affinity Credit Union Emerging human only Credit Union & Caisse
Affinity Credit Union is a member-owned financial cooperative headquartered in Saskatoon, Saskatchewan, Canada. Formed in 2005 through the amalgamation of se...
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
20
Bridgewater Bank Emerging human only Schedule I (Domestic)
Bridgewater Bank is a Canadian Schedule I chartered bank, a wholly-owned
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
21
Conexus Credit Union Emerging human only Credit Union & Caisse
Conexus Credit Union is Saskatchewan's largest credit union, a member-owned cooperative financial institution headquartered in Regina with over $10 billion i...
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
22
Equitable Bank Emerging human only Schedule I (Domestic)
Equitable Bank is Canada's seventh largest independent Schedule I bank by assets and a wholly owned subsidiary of EQB Inc. (TSX: EQB), a Toronto-based Canadi...
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
23
Laurentian Bank of Canada Emerging human only Schedule I (Domestic)
Laurentian Bank of Canada (Banque Laurentienne du Canada) is a Montreal-headquartered Schedule I chartered bank, founded in 1846 as the Montreal City and Dis...
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
24
PC Financial Emerging human only Digital Arm
PC Financial (President's Choice Financial) is the financial-services brand of Canadian grocery giant Loblaw Companies Limited. Its personal banking and Mast...
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
25
Simplii Financial Emerging human only Digital Arm
Simplii Financial is the no-fee direct banking brand of the Canadian Imperial Bank of Commerce (CIBC), one of Canada's Big Six Schedule I domestic banks. Lau...
Composite
16.1
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 16.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
2.6 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
26
CIBC Emerging human only Big Six
Canadian Imperial Bank of Commerce (CIBC) is a Schedule I domestic chartered bank and one of Canada's Big Six, formed in 1961 through the merger of the Canad...
Composite
15.9
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 15.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.7 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
27
Servus Credit Union Emerging human only Credit Union & Caisse
Servus Credit Union Ltd. is a member-owned cooperative financial institution headquartered in Edmonton, Alberta, founded in 1938. It is Alberta's largest cre...
Composite
15.8
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 15.8/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
28
Neo Financial Emerging human only Fintech & Challenger
Neo Financial is a Calgary- and Winnipeg-based Canadian fintech (neobank) founded in 2019 by the founders of SkipTheDishes, offering credit cards, savings, m...
Composite
15.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 15.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
29
Citibank Canada Emerging human only Schedule II (Foreign-Owned)
Citibank Canada (Citi Canada) is the Canadian arm of Citigroup, chartered under Canada's Bank Act as a Schedule II (foreign bank subsidiary) deposit-taking i...
Composite
15.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 15.4/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.5 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Banking & Open Finance
3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
30
First Nations Bank of Canada Emerging human only Schedule I (Domestic)
First Nations Bank of Canada (FNBC) is a Schedule I federally regulated chartered bank under the Bank Act, chartered on 19 November 1996 and headquartered in...
Composite
15.0
Agent
3.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 15.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
0 / 3
Minimal 12 0–14.9 Index entry only; little beyond a description and a link.
31
National Bank of Canada Minimal human only Big Six
National Bank of Canada (Banque Nationale du Canada, TSX: NA) is a Schedule I chartered bank headquartered in Montreal, Quebec, founded in 1859. It is the si...
Composite
14.9
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 14.9/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
32
Amex Bank of Canada Minimal human only Schedule II (Foreign-Owned)
Amex Bank of Canada is the Canadian banking subsidiary of the American Express Company (United States), incorporated in 1990 and headquartered in the Toronto...
Composite
14.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
33
B2B Bank Minimal human only Schedule I (Domestic)
B2B Bank is a Schedule I Canadian bank, headquartered in Toronto and wholly owned by Laurentian Bank of Canada (Laurentian Bank Financial Group). It operates...
Composite
14.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
34
Meridian Credit Union Minimal human only Credit Union & Caisse
Meridian Credit Union is Ontario's largest credit union and one of the largest in Canada — a member-owned financial cooperative headquartered in St. Catharin...
Composite
14.6
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 14.6/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
35
Home Trust Minimal human only Schedule I (Domestic)
Home Trust Company is a federally regulated Canadian trust company founded in 1977 and headquartered in Toronto, and the principal operating subsidiary of Ho...
Composite
14.3
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 14.3/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
36
ATB Financial Minimal human only Provincial / Crown
ATB Financial (formerly Alberta Treasury Branches) is a financial institution and Crown corporation wholly owned by the Government of Alberta, established in...
Composite
12.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 12.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
37
TD Bank Group Minimal human only Big Six
TD Bank Group (The Toronto-Dominion Bank) is one of Canada's Big Six chartered banks — a federally regulated Schedule I bank headquartered in Toronto and lis...
Composite
12.2
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 12.2/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Banking & Open Finance
3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
38
Prospera Credit Union Minimal human only Credit Union & Caisse
Prospera Credit Union is a member-owned cooperative financial institution
Composite
11.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 11.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
2.1 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
39
Vancity Minimal human only Credit Union & Caisse
Vancity (Vancouver City Savings Credit Union) is a member-owned financial co-operative headquartered in Vancouver, British Columbia, and the largest communit...
Composite
8.4
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 8.4/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.9 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
40
Canadian Western Bank Minimal human only Schedule I (Domestic)
Canadian Western Bank (CWB) is a Schedule I domestic chartered bank founded in 1988 (through the merger of the Bank of Alberta and Western & Pacific Bank) an...
Composite
7.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
41
First West Credit Union Minimal human only Credit Union & Caisse
First West Credit Union — rebranded Tru Cooperative Bank in 2026 — is
Composite
7.7
Agent
3.8
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
2.0 / 15
Agent readiness — 4/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
0 / 3
42
Manulife Bank Minimal human only Schedule I (Domestic)
Manulife Bank of Canada is a Schedule I federally chartered bank and a wholly-owned subsidiary of The Manufacturers Life Insurance Company, part of Manulife ...
Composite
7.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-23 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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