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.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Neo Financial the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Neo Financial scores 15.6/100 (emerging), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Neo Financial
Each block below is one kind of artifact we hold for Neo Financial. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Neo Financial — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
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