UBS Bank USA

UBS Bank USA (BUSA) is a Utah state-chartered industrial bank and FDIC-insured depository institution headquartered in Salt Lake City, Utah, established in 2003 and reporting roughly $122 billion in total assets. It is the primary US banking vehicle of UBS Wealth Management Americas, providing FDIC-insured deposit sweep programs, securities-based lending, mortgages, and credit cards almost exclusively to the high-net-worth and ultra-high-net-worth advisory clients of parent UBS Group AG. It is supervised by the FDIC, the Utah Department of Financial Institutions, and the CFPB. Unlike a fintech or a Banking-as-a-Service provider, UBS Bank USA exposes no first-party public developer API surface of its own; its services are delivered through UBS Financial Advisors rather than self-serve APIs. The only live UBS developer portal (developer.ubs.com) belongs to UBS Switzerland and serves Swiss and EU products (key4 mortgages, QR-bill, PSD2, TWINT, bLink, KeyPort/EBICS), not this US entity. US consumer-permissioned data access, where available, is mediated by third-party aggregators rather than a documented BUSA API.

UBS Bank USA is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Wealth Management, and Industrial Bank.

UBS Bank USA’s developer surface includes signup flow, documentation, support, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.6/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Financial-Services Banking United States Wealth ManagementIndustrial BankSecurities-Based LendingPrivate Banking

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 12.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 4.5 / 17

Access Clarity 2.2 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/ubs-bank-usa: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 2

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

Ubs Bank Usa Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Ubs Bank Usa Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Signup

Signup

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

SecurityTxt

SecurityTxt

Operate 1

Status, limits, changes, and where to get help

Support

Support

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: ubs-bank-usa
url: https://raw.githubusercontent.com/api-evangelist/ubs-bank-usa/refs/heads/main/apis.yml
name: UBS Bank USA
kind: company
description: UBS Bank USA (BUSA) is a Utah state-chartered industrial bank and FDIC-insured depository institution headquartered
  in Salt Lake City, Utah, established in 2003 and reporting roughly $122 billion in total assets. It is the primary US banking
  vehicle of UBS Wealth Management Americas, providing FDIC-insured deposit sweep programs, securities-based lending, mortgages,
  and credit cards almost exclusively to the high-net-worth and ultra-high-net-worth advisory clients of parent UBS Group
  AG. It is supervised by the FDIC, the Utah Department of Financial Institutions, and the CFPB. Unlike a fintech or a Banking-as-a-Service
  provider, UBS Bank USA exposes no first-party public developer API surface of its own; its services are delivered through
  UBS Financial Advisors rather than self-serve APIs. The only live UBS developer portal (developer.ubs.com) belongs to UBS
  Switzerland and serves Swiss and EU products (key4 mortgages, QR-bill, PSD2, TWINT, bLink, KeyPort/EBICS), not this US entity.
  US consumer-permissioned data access, where available, is mediated by third-party aggregators rather than a documented BUSA
  API.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Wealth Management
- Industrial Bank
- Securities-Based Lending
- Private Banking
tags_raw:
- Financial Services
- Banking
- United States
- Wealth Management
- Industrial Bank
- Securities-Based Lending
- Private Banking
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: Signup
  url: https://developer.ubs.com/signup
- type: VulnerabilityDisclosure
  url: security/ubs-bank-usa-vulnerability-disclosure.yml
- type: Security
  url: well-known/ubs-bank-usa-security.txt
- type: DomainSecurity
  url: security/ubs-bank-usa-domain-security.yml
- type: WellKnown
  url: well-known/ubs-bank-usa-well-known.yml
- type: SecurityTxt
  url: well-known/ubs-bank-usa-security.txt
- type: LLMsTxt
  url: llms/ubs-bank-usa-llms.txt
- type: Website
  url: https://www.ubs.com
- type: DeveloperPortal
  url: https://developer.ubs.com
- type: Documentation
  url: https://developer.ubs.com/get-started
- type: Support
  url: https://developer.ubs.com/support
- type: Blog
  url: https://developer.ubs.com/blog
- type: LinkedIn
  url: https://www.linkedin.com/company/ubs
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-parent: ubs
x-relationship: product

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