TIAA

TIAA (Teachers Insurance and Annuity Association of America) is a leading provider of financial services in the academic, research, medical, cultural, and government fields. Originally founded to provide retirement security for educators, TIAA now offers retirement services, insurance, brokerage, and investment management products to individuals and institutions. TIAA operates a developer portal at developer.tiaa.org exposing APIs for financial data aggregation (FDX standard), secure income account management, and gateway integrations enabling plan portability and fintech connectivity.

TIAA publishes 11 API contracts indexed on the APIs.io network, including Accounts API, Contributions API, Customer API, and 8 more. Tagged areas include Finance, Financial Data, Fintech, Insurance, and Investment Management.

The TIAA catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

TIAA’s developer surface includes authentication, developer portal, documentation, engineering blog, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.7/100 thin ▬ flat Agent 25/100 agent aware saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

2 published contracts

Finance Financial Data Fintech Insurance Investment Management Retirement Wealth Management Fortune 100

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 31.7/100 · thin

Contract Quality 10.0 / 19

Developer Ergonomics 3.4 / 15

Access Clarity 2.4 / 15

Operational Transparency 0.5 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 5.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 15.8 — up to +16.8 composite points
Developer Ergonomics scores 22.6 — up to +15.5 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/tiaa/apis.yml: open an issue on github.com/api-evangelist/tiaa to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Asset and Wealth Management	regulated	36.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

TIAA Gateway API

The TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retirement ecosystem partners. It allows banking institutions, financial agg...

TIAA Payroll360 API

TIAA Payroll360 enables direct API connections between HR and payroll systems and TIAA's plan administration platform, automating deductions management, employer onboarding, and...

TIAA Accounts API

Customer account information and balances

TIAA Contributions API

Contribution and allocation management

TIAA Customer API

Customer profile and identity

TIAA Investments API

Investment positions and holdings

TIAA Participants API

Participant account management

TIAA Plans API

Plan configuration and eligibility

TIAA Projections API

Income projections and illustrations

TIAA Tax API

Tax document and income data

TIAA Transactions API

Account transaction history

Scroll for all 11

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

TIAA Financial Data Exchange Accounts API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Contributions API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Customer API

OPEN COLLECTION

TIAA Financial Data Exchange API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Investments API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Participants API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Plans API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Projections API

OPEN COLLECTION

TIAA Secure Income Account API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Tax API

OPEN COLLECTION

TIAA Financial Data Exchange Accounts Transactions API

OPEN COLLECTION

Scroll for all 11

TIAA API pricing

Not yet checked against TIAA's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.tiaa.org/public/about-tiaa/working-at-tiaa/api-developer; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Contracted Rate Limit: see partner agreement varies

Compiled by API Evangelist, not yet checked against TIAA's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Tiaa Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Tiaa Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

TIAA

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Tiaa Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Tiaa Context

16 classes · 15 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

TIAA — jsonschema rules

5 rules · 3 warnings 2 info

SPECTRAL

TIAA API Rules

13 rules · 5 errors 6 warnings 2 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

TIAA Account

8 properties

JSON SCHEMA

TIAA SIA Participant

9 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Tiaa Account Structure

0 properties

JSON STRUCTURE

Examples 4

Example request and response payloads for these APIs.

Tiaa Fdx List Accounts Example

2 fields

EXAMPLE

Tiaa Fdx List Transactions Example

2 fields

EXAMPLE

Tiaa Sia Enroll Participant Example

2 fields

EXAMPLE

Tiaa Sia Get Income Projection Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Tiaa Authentication

oauth2 · 2 schemes

SECURITY

Tiaa Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Tiaa Scopes

8 scopes · authorizationCode/clientCredentials

8 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Tiaa Agentic Access

12 operations · 2 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

JSONSchema

JSONSchema

JSONSchema

JSONSchema

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

JSONLD

JSONLD

Build 1

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

PrivacyPolicy

TermsOfService

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Source (apis.yml)

aid: tiaa
url: https://raw.githubusercontent.com/api-evangelist/tiaa/refs/heads/main/apis.yml
name: TIAA
description: TIAA (Teachers Insurance and Annuity Association of America) is a leading provider of financial services in the
  academic, research, medical, cultural, and government fields. Originally founded to provide retirement security for educators,
  TIAA now offers retirement services, insurance, brokerage, and investment management products to individuals and institutions.
  TIAA operates a developer portal at developer.tiaa.org exposing APIs for financial data aggregation (FDX standard), secure
  income account management, and gateway integrations enabling plan portability and fintech connectivity.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.tiaa.org/content/dam/prod/tiaa/images/tiaa-logo.svg
tags:
- Finance
- Financial Data
- Fintech
- Insurance
- Investment Management
- Retirement
- Wealth Management
- Fortune 100
created: '2024'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: tiaa:tiaa-gateway-api
  name: TIAA Gateway API
  description: The TIAA Gateway is a cloud-based API layer enabling product portability and interoperability across retirement
    ecosystem partners. It allows banking institutions, financial aggregators, and plan sponsor platforms to expose TIAA retirement
    account data within their own apps and experiences. The Gateway supports FDX, ACORD, and SPARK standards and has more
    than 10 external partners connected.
  image: https://www.tiaa.org/content/dam/prod/tiaa/images/tiaa-logo.svg
  humanURL: https://www.tiaa.org/public/pdf/t/tiaa-gateway-drives-product-portability.pdf
  baseURL: https://api.tiaa.org/gateway/v1
  tags:
  - Financial Data
  - Integration
  - Open Finance
  - Plan Portability
  - Retirement
  properties:
  - type: Documentation
    url: https://www.tiaa.org/public/pdf/t/tiaa-gateway-drives-product-portability.pdf
  - type: Portal
    url: https://developer.tiaa.org
- aid: tiaa:tiaa-payroll360-api
  name: TIAA Payroll360 API
  description: TIAA Payroll360 enables direct API connections between HR and payroll systems and TIAA's plan administration
    platform, automating deductions management, employer onboarding, and payroll data integrity. Supports SPARK 2.0 CR and
    TIAA-specific FLEX and OPS formats.
  image: https://www.tiaa.org/content/dam/prod/tiaa/images/tiaa-logo.svg
  humanURL: https://developer.tiaa.org/public/payroll360
  baseURL: https://api.tiaa.org/payroll360/v1
  tags:
  - Human Resources
  - Payroll
  - Plan Administration
  - Retirement
  - Spark
  tags_raw:
  - HR
  - Payroll
  - Plan Administration
  - Retirement
  - SPARK
  properties:
  - type: Documentation
    url: https://developer.tiaa.org/public/payroll360
- aid: tiaa:tiaa-accounts-api
  name: TIAA Accounts API
  description: Customer account information and balances
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/tiaa-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-contributions-api
  name: TIAA Contributions API
  description: Contribution and allocation management
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Contributions
  properties:
  - type: OpenAPI
    url: openapi/tiaa-contributions-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-customer-api
  name: TIAA Customer API
  description: Customer profile and identity
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Customers
  tags_raw:
  - Customer
  properties:
  - type: OpenAPI
    url: openapi/tiaa-customer-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-investments-api
  name: TIAA Investments API
  description: Investment positions and holdings
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Investment
  tags_raw:
  - Investments
  properties:
  - type: OpenAPI
    url: openapi/tiaa-investments-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-participants-api
  name: TIAA Participants API
  description: Participant account management
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Participants
  properties:
  - type: OpenAPI
    url: openapi/tiaa-participants-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-plans-api
  name: TIAA Plans API
  description: Plan configuration and eligibility
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Plans
  properties:
  - type: OpenAPI
    url: openapi/tiaa-plans-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-projections-api
  name: TIAA Projections API
  description: Income projections and illustrations
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Projections
  properties:
  - type: OpenAPI
    url: openapi/tiaa-projections-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-tax-api
  name: TIAA Tax API
  description: Tax document and income data
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Tax
  properties:
  - type: OpenAPI
    url: openapi/tiaa-tax-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
- aid: tiaa:tiaa-transactions-api
  name: TIAA Transactions API
  description: Account transaction history
  humanURL: https://developer.tiaa.org/public/fdx
  baseURL: https://api.tiaa.org/fdx/v6
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/tiaa-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.tiaa.org/public/fdx
  - type: Authentication
    url: https://developer.tiaa.org/public/fdx#authentication
  - type: Documentation
    url: https://developer.tiaa.org/public/sia
  - type: Authentication
    url: https://developer.tiaa.org/public/sia#authentication
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/tiaa/overview
- type: Plans
  url: plans/tiaa-plans-pricing.yml
- type: RateLimits
  url: rate-limits/tiaa-rate-limits.yml
- type: FinOps
  url: finops/tiaa-finops.yml
- type: AgenticAccess
  url: agentic-access/tiaa-agentic-access.yml
- type: DomainSecurity
  url: security/tiaa-domain-security.yml
- type: Authentication
  url: authentication/tiaa-authentication.yml
- type: OAuthScopes
  url: scopes/tiaa-scopes.yml
- type: Portal
  url: https://developer.tiaa.org
- type: Website
  url: https://www.tiaa.org
- type: Documentation
  url: https://developer.tiaa.org/public/fdx
- type: Blog
  url: https://www.tiaa.org/public/learn
- type: LinkedIn
  url: https://www.linkedin.com/company/tiaa
- type: Twitter
  url: https://twitter.com/tiaa
- type: PrivacyPolicy
  url: https://www.tiaa.org/public/pdf/t/privacy_notice.pdf
- type: TermsOfService
  url: https://www.tiaa.org/public/pdf/t/tiaa_website_terms_of_use.pdf
- type: JSONLD
  url: json-ld/tiaa-context.jsonld
- type: JSONSchema
  url: json-schema/tiaa-account-schema.json
- type: JSONSchema
  url: json-schema/tiaa-participant-schema.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

TIAA API — frequently asked questions

Does TIAA have an API?

Yes. APIs.io lists 11 APIs from TIAA, including TIAA Gateway API, TIAA Payroll360 API and TIAA Accounts API, and 8 more.

Is there an OpenAPI specification for the TIAA API?

Yes. APIs.io indexes 9 OpenAPI specifications for TIAA, each linked for download from this page.

How do I authenticate with the TIAA API?

TIAA documents its authentication (oauth2 · 2 schemes). The details are profiled on APIs.io as Tiaa Authentication.

How much does the TIAA API cost?

APIs.io lists 1 pricing plan for TIAA, with each plan's price, limits and inclusions under Pricing on this page.

Is the TIAA API ready for AI agents?

TIAA has a Kin Score of 31.7 out of 100 (thin) and an Agent Readiness score of 24.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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