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 📡 Profile data on GitHub

17.1/100 emerging ▬ flat Agent 3/100 human only Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

0 APIs

Financial Services Banking InsuranceMilitary FinanceOpen Banking Open FinanceFinancial Data ExchangeUnited States Fortune 100

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 17.1/100 · emerging

Contract Quality 2.3 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 0.9 / 17

Operational Transparency 2.0 / 11

Contract Governance 2.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 10.7 — up to +22.3 composite points
Access Clarity scores 5.3 — up to +18.9 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/usaa/apis.yml: open an issue on github.com/api-evangelist/usaa to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
US Open Banking (FDX)	regulated	55.8	-	-
US Banks and Credit Unions (FDIC BankFind + NCUA insured credit unions)	regulated	55.8	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

USAA API pricing

Not yet checked against USAA's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.usaa.com/; confirm before you rely on a figure.

Plan	Price
Contact Sales / Partner Onboarding enterprise	—

Plan details, limits and sources →

Rate limits

Partner-Contracted Limit: see partner agreement varies

Compiled by API Evangelist, not yet checked against USAA's documentation. Rate-limit details →

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 — jsonschema 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

USAA revamps mobile app

USAA to use AI and gen AI across operations

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

Responsible Use of Artificial Intelligence

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

DomainSecurity

SecurityTxt

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

Source (apis.yml)

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.
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: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  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
tags_raw:
- Financial Services
- Banking
- Insurance
- Military Finance
- Open Banking
- Open Finance
- Financial Data Exchange
- United States
- Fortune 100
- Financial-Services
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: '0.23'

USAA API — frequently asked questions

How do I authenticate with the USAA API?

USAA uses bearer-token authentication (oauth2 · 2 schemes). The details are profiled on APIs.io as Usaa Authentication.

How much does the USAA API cost?

APIs.io lists 1 pricing plan for USAA, with each plan's price, limits and inclusions under Pricing on this page.

Is the USAA API ready for AI agents?

USAA has a Kin Score of 17.1 out of 100 (emerging) and an Agent Readiness score of 3.1 (human-only), scored by API Evangelist on 2026-11-06.

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