# USAA

**Canonical:** https://apis.io/providers/usaa/  
**Website:** https://www.usaa.com  
**APIs profiled:** 0

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.

## Kin Score — 20.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 19.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 11.3 |
| Governance | 28.0 |
| Contract Governance | 28.0 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Banking & Open Finance**: 29.1 (matched via tags).

## Agent readiness — 14.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise — onboarding: unknown, pricing: enterprise, trial: no (confidence: medium).

## Security (3)

- **Usaa Authentication** — oauth2 · 2 schemes
- **Usaa Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Usaa Vulnerability Disclosure** — Bugcrowd · security.txt · contact published

## Plans (1)

- **Usaa Plans Pricing**

## Tags

Financial-Services, Banking, Insurance, Military Finance, Open Banking, Open Finance, Financial Data Exchange, United States, Fortune 100

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