# Ualá

**Canonical:** https://apis.io/providers/uala/  
**Website:** https://www.uala.com.ar  
**APIs profiled:** 0

Ualá is an Argentine financial technology company and neobank founded in 2017 by Pierpaolo Barbieri, headquartered in Buenos Aires. The company delivers a mobile-first financial ecosystem anchored by a Mastercard prepaid/debit card linked to an in-app account, with a layered product suite that includes credit cards, personal loans, savings accounts with yield, fixed-term deposits, mutual funds (FCIs), stocks, bonds, CEDEARs, insurance, bill payments, recharges, and international transfers. Its merchant arm, Ualá Bis, provides payment links, online checkout, and POS hardware (POS Mini and POS Pro) for SMBs and online stores, exposing a public Cobros Online v2 API plus SDKs and pre-built integrations for WooCommerce, Tienda Nube, Magento, and Empretienda. Ualá operates as a regulated bank in Argentina (under BCRA oversight), has acquired ABC Capital in Mexico to operate as a chartered Mexican bank, and is the first technology-based company licensed as a financing entity by Colombia's Financial Superintendence. The company reached a $3.2B valuation following $195M in new equity in 2024, and reports more than eight million users across Argentina, Mexico, and Colombia. UaláScore, the company's AI-driven credit evaluation system, powers personalized lending across markets. Public developer surface is limited to the Ualá Bis merchant payments API; the consumer banking, lending, and investing capabilities are not exposed as third-party developer APIs.

## Kin Score — 2.0 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 2.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Uala Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Fintech, Neobank, Digital Banking, Prepaid Card, Mastercard, Payments, Lending, Personal Loans, Investing, Brokerage, Insurance, Point-of-Sale, Merchant Acquiring, Payment Links, Latin America, Argentina, Mexico, Colombia, Financial Inclusion

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/uala/). Scores are computed from the provider's own public artifacts under a published rubric.