aid: koho
url: https://raw.githubusercontent.com/api-evangelist/koho/refs/heads/main/apis.yml
name: KOHO
kind: company
description: KOHO is a Canadian financial-technology company (neobank) founded in 2014
  by Daniel Eberhard and headquartered in Vancouver, British Columbia, serving more than
  2.5 million Canadians through a mobile-first money app. KOHO is not a chartered bank;
  it issues a KOHO Mastercard prepaid card through KOHO Financial Inc. and places customer
  balances in trust with CDIC-member institutions (its longstanding banking partner is
  Peoples Trust Company), while offering high-interest savings, cash back, credit building,
  Cover cash advances, and Pay Later. The company is in the final stages of pursuing a
  federal Schedule I banking licence, which would make it one of Canada's first new
  federally regulated banks in decades, and in May 2026 it joined the Interac e-Transfer
  network directly as a Participant under the broadened access for Payment Service Providers.
  On the open-finance front, KOHO exposes no first-party public developer API or portal;
  consumer account and transaction data access today is available only through third-party
  aggregators (Plaid and Flinks), consistent with Canada's voluntary, not-yet-operational
  Consumer-Driven Banking framework.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Fintech
- Neobank
- Payments
- Interac
- Data Aggregation
- Consumer-Driven Banking
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis: []
common:
- type: VulnerabilityDisclosure
  url: security/koho-vulnerability-disclosure.yml
- type: Security
  url: https://hackerone.com/koho
- type: DomainSecurity
  url: security/koho-domain-security.yml
- type: TrustCenter
  url: https://www.koho.ca/security/
- type: Compliance
  url: https://www.koho.ca/security/
- type: WellKnown
  url: well-known/koho-well-known.yml
- type: SecurityTxt
  url: well-known/koho-security.txt
- type: Website
  url: https://www.koho.ca/
- type: LinkedIn
  url: https://www.linkedin.com/company/koho
- type: TermsOfService
  url: https://www.koho.ca/legal/
- type: PrivacyPolicy
  url: https://www.koho.ca/legal/
- type: Support
  url: https://www.koho.ca/contact/
- type: HelpCenter
  url: https://help.koho.ca/
- type: SignUp
  url: https://web.koho.ca/register
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com