Bank-grade security

We use Plaid to securely connect to more than 15,000 financial institutions across Canada and the U.S. This is the same technology that leading fintech companies (such as Mint, Acorns, and Robinhood) use. During the registration process, you will be asked to enter your online banking credentials. These credentials never touch our servers, nor are they stored by us in any way. Your credentials are sent through Plaid to your bank or credit card provider. Plaid then sends back an encrypted token to us.

This token provides read-only access to your transaction data. We cannot move money or make any changes to your account. You can revoke our read-only access token at any time.

Some banks and credit card providers have additional security measures, such as multi-factor authentication using security codes, challenge questions, or phone confirmation. These measures vary from bank to bank. We are glad that most financial institutions make it both simple and secure for you to access your data.

We use 256-bit SSL encryption for all server-side databases. We host our servers securely using Heroku, a secure online data storage and hosting service.

We're transparent. If you have any questions, please reach out to us at

Security FAQ

Why does Kino need my financial information?

We track your transactional data to reward you with Kin for every qualified purchase, so you don't have to carry extra cards or open new apps.

What information does Kino see from my linked account?

Kino only sees your transaction data. We never see your account balance or any other personal information linked to your account.