Tangerine
Tangerine is a Canadian direct (branchless) bank headquartered in Toronto, Ontario, and a federally regulated Schedule I bank chartered as Tangerine Bank (institution number 614). Founded in 1997 as ING Direct Canada, it was acquired by Scotiabank in 2012 and rebranded as Tangerine in 2014; it remains a separate legal entity operating as Scotiabank's digital-banking arm, serving roughly two million clients with no-fee chequing and savings accounts, GICs, mortgages, mutual funds, and a cash-back Mastercard delivered entirely through mobile and web. On API and open-finance posture, Tangerine publishes no first-party public developer portal or downloadable API specifications; Canada has no operational consumer-driven-banking mandate yet (the federal framework is legislated but not live), so third-party access to Tangerine account and transaction data today is aggregator-based via Plaid and Finicity (Mastercard) rather than through a documented first-party API.
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 Tangerine 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 — Tangerine scores 17.2/100 (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 Tangerine
Each block below is one kind of artifact we hold for Tangerine. 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 Tangerine — 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.
Get Started 2
Portal, sign-up, and the first successful call
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 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/tangerine · machine-readable index on apis.io