# UBS Bank USA

**Canonical:** https://apis.io/providers/ubs-bank-usa/  
**Website:** https://www.ubs.com  
**APIs profiled:** 0

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.

## Kin Score — 13.7 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.7).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 26.2 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 2.6 (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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Security (2)

- **Ubs Bank Usa Domain Security** — TLSv1.3 · DNSSEC · DMARC
- **Ubs Bank Usa Vulnerability Disclosure** — security.txt · contact published

## Tags

Financial-Services, Banking, United States, Wealth Management, Industrial Bank, Securities-Based Lending, Private Banking

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