# UBS

**Canonical:** https://apis.io/providers/ubs/  
**Website:** https://www.ubs.com/  
**APIs profiled:** 7

A Swiss multinational investment bank and financial services company and the world's largest wealth manager. UBS exposes a multi-ecosystem developer platform at developer.ubs.com covering retail banking, mortgages, QR billing, EU PSD2 open banking, Swiss TWINT payments, corporate bLink connectivity, and the enterprise UBS Partner / KeyPort offering.

## Kin Score — 10.4 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 10.4).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 38.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (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).

## APIs (7)

- **UBS PSD2 API** — UBS's EU PSD2-compliant open banking API set covering Account Information Services (AIS), Payment Initiation Services (PIS), and Confirmation of Funds (CoF). Used by licensed th...
- **UBS key4 Mortgages API** — The UBS key4 mortgages API lets property platforms and brokers embed Swiss mortgage origination, affordability checks, and indicative financing into their own customer journeys....
- **UBS QR Portal API** — A free programmatic QR-bill creation service supporting the Swiss QR payment standard. Returns QR bills in multiple output formats for invoicing and accounts-receivable use cases.
- **UBS TWINT API** — UBS integration with TWINT, the Swiss mobile payment scheme, exposing merchant and consumer payment flows for in-app and point-of-sale checkout.
- **UBS bLink API** — bLink is the open banking platform for UBS corporate clients, exposing account information, transaction history, and payment submission so ERPs, accounting software, and treasur...
- **UBS Partner / KeyPort API** — UBS Partner and KeyPort form the enterprise integration surface used by partner banks, external asset managers (EAMs), and corporate clients to embed UBS wealth-management, cust...
- **UBS Banking Ecosystem API** — The umbrella UBS Banking Ecosystem exposes APIs around the broader retail and private banking surface, covering account, transaction, and product-data services beyond the dedica...

## Security (1)

- **Ubs Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Use cases (5)

- **Open Banking Aggregation** — Third-party providers aggregate UBS account data into personal finance and wealth aggregation apps under PSD2
- **Embedded Mortgages on Property Portals** — Property listing sites embed key4 mortgage affordability checks and pre-qualification
- **Invoicing Automation** — Accounting and invoicing platforms generate compliant Swiss QR bills via the QR Portal API
- **Corporate Cash Management** — Treasury systems consume bLink to view balances and initiate corporate payments
- **White-Label Wealth Management** — Partner banks and EAMs use UBS Partner / KeyPort to offer UBS-backed services under their own brand

## Tags

Financial, Banks, Wealth Management, Investment Banking, Open Banking

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