USAA website screenshot

USAA

USAA (United Services Automobile Association) is a Fortune 100 financial services group offering banking, investing, and insurance products exclusively to people and families who serve, or have served, in the United States military. USAA does not publish a first-party public developer portal or downloadable API specifications. Third-party access to member financial data is delivered through consumer-permissioned open-banking aggregators — Plaid, Mastercard Open Banking (formerly Flinks), and BankSync — using OAuth 2.0 tokenized authorization rather than shared credentials. USAA is an active member and board participant of the Financial Data Exchange (FDX) and helps shape the FDX API standard for secure open finance data sharing in the US.

USAA is profiled on the APIs.io network. Tagged areas include Financial Services, Banking, Insurance, Military Finance, and Open Banking.

The USAA catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

USAA’s developer surface includes documentation, authentication, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub
32.5/100 thin ▬ flat Agent 19/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessEnterprise
0 APIs
Financial ServicesBankingInsuranceMilitary FinanceOpen BankingOpen FinanceFinancial Data ExchangeUnited StatesFortune 100

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 32.5/100 · thin
Contract Quality 3.2 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 4.8 / 13
Governance 8.5 / 12
Discoverability 6.9 / 10
Agent readiness — 19/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
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 4 / 4
Consent & Bot Identity 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/usaa: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Pricing Plans 1

Published pricing tiers and plan structures.

Usaa Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Usaa Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

Usaa Finops

FINOPS

Semantic Vocabularies 1

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

Us Usaa Context

2 classes · 12 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

USAA API Rules

5 rules · 3 warnings 2 info

SPECTRAL

JSON Schema 2

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

USAA Bank Account

9 properties

JSON SCHEMA

USAA Transaction

11 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Usaa Bank Account Structure

0 properties

JSON STRUCTURE

Security Posture 3

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

Usaa Authentication

oauth2 · 2 schemes

SECURITY

Usaa Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Usaa Vulnerability Disclosure

Bugcrowd · security.txt · contact published

SECURITY

Press 5

Recent news and press coverage referencing this provider.

USAA selects Quavo's AI to strengthen compliance

2026-05-25

USAA revamps mobile app

2026-05-25

USAA to use AI and gen AI across operations

2026-05-25

USAA CIO on Generative AI: 'Relentless Learners Will Create ...

2026-05-25

Responsible Use of Artificial Intelligence

2026-05-25

Resources

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

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 DomainSecurity
DomainSecurity
 SecurityTxt
SecurityTxt
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: usaa
url: https://raw.githubusercontent.com/api-evangelist/usaa/refs/heads/main/apis.yml
name: USAA
kind: company
description: USAA (United Services Automobile Association) is a Fortune 100 financial services group offering banking, investing,
  and insurance products exclusively to people and families who serve, or have served, in the United States military. USAA
  does not publish a first-party public developer portal or downloadable API specifications. Third-party access to member
  financial data is delivered through consumer-permissioned open-banking aggregators — Plaid, Mastercard Open Banking (formerly
  Flinks), and BankSync — using OAuth 2.0 tokenized authorization rather than shared credentials. USAA is an active member
  and board participant of the Financial Data Exchange (FDX) and helps shape the FDX API standard for secure open finance
  data sharing in the US.
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/usaa.png
tags:
- Financial Services
- Banking
- Insurance
- Military Finance
- Open Banking
- Open Finance
- Financial Data Exchange
- United States
- Fortune 100
created: '2024-12-03'
modified: '2026-07-25'
apis: []
common:
- type: Website
  url: https://www.usaa.com
- type: GitHubOrganization
  url: https://github.com/usaa
- type: LinkedIn
  url: https://www.linkedin.com/company/usaa
- type: Documentation
  url: https://www.financialdataexchange.org/FDX/FDX/News/Spotlights/Member%20Spotlight%20USAA.aspx
- type: Plans
  url: plans/usaa-plans-pricing.yml
- type: RateLimits
  url: rate-limits/usaa-rate-limits.yml
- type: FinOps
  url: finops/usaa-finops.yml
- type: VulnerabilityDisclosure
  url: security/usaa-vulnerability-disclosure.yml
- type: Security
  url: https://www.usaa.com/.well-known/security.txt
- type: DomainSecurity
  url: security/usaa-domain-security.yml
- type: WellKnown
  url: well-known/usaa-well-known.yml
- type: SecurityTxt
  url: well-known/usaa-security.txt
- type: Authentication
  url: authentication/usaa-authentication.yml
- type: Conformance
  url: conformance/usaa-conformance.yml
- type: LLMsTxt
  url: llms/usaa-llms.txt
access: 3rd-Party
position: Consuming
features:
- Open Banking via FDX-aligned API aggregators
- Account balance and transaction data access
- Member-permissioned (OAuth 2.0) data sharing
- No shared-credential access
- Open source developer and security tooling
useCases:
- Personal finance app integration
- Account aggregation for members
- Military family financial planning
- Insurance and banking product access
integrations:
- Plaid
- Mastercard Open Banking
- BankSync
- Financial Data Exchange (FDX)
solutions:
- Military Financial Services
- Open Banking
- Personal Finance Management
github:
- https://github.com/usaa
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
specificationVersion: '0.19'