Utila

Utila is an institutional digital asset wallet and stablecoin infrastructure platform for fintechs and enterprises. Built on MPC (multi-party computation) key management, it provides secure custody with policy-driven governance, embedded compliance and AML screening, and a resource-oriented REST API for programmatically managing vaults, MPC wallets, addresses, balances, and transactions across many blockchains — including sponsored (gas-abstracted) transfers, transaction simulation, an automated Co-Signer for signing workflows, webhooks, and a first-party CLI.

Utila publishes 7 API contracts indexed on the APIs.io network, including Address Book API, Assets API, Balances API, and 4 more. Tagged areas include Company, Web3, Digital Assets, Stablecoins, and Custody.

The Utila catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Utila’s developer surface includes documentation, API reference, getting-started guide, engineering blog, pricing, support, authentication, and 30 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

62.3/100 strong ▬ flat Agent 30/100 agent ready Front door AI 3/6 light Heartbeat 50/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract 3 Agent Skills

Company Web3 Digital Assets Stablecoins CustodyMPC WalletsBlockchain Payments Treasury

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Blockchain & Digital Assets

AE-240

BalancesTransactionsWallets

POST /v2/vaults/{vault_id}/transactions:initiate POST /v2/vaults/{vault_id}/wallets/{wallet_id}:queryBalances POST /v2/vaults/{vault_id}/wallets

Kin Score

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

Composite quality — 62.3/100 · strong

Contract Quality 10.2 / 19

Developer Ergonomics 9.7 / 15

Access Clarity 12.4 / 15

Operational Transparency 4.9 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 30/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 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 Payments 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

6 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 54.3 — up to +11.4 composite points
Contract Governance scores 18.2 — up to +9.8 composite points
Developer Ergonomics scores 64.9 — up to +7.0 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/utila/apis.yml: open an issue on github.com/api-evangelist/utila 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
Stablecoins and Tokenization (stablecoin issuers, tokenized assets)	undeclared	-	-	-

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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Utila Address Book API

The Address Book API from Utila — 5 operation(s) for address book.

Utila Assets API

The Assets API from Utila — 3 operation(s) for assets.

Utila Balances API

The Balances API from Utila — 5 operation(s) for balances.

Utila Blockchains API

The Blockchains API from Utila — 4 operation(s) for blockchains.

Utila Transactions API

The Transactions API from Utila — 11 operation(s) for transactions.

Utila Vaults API

The Vaults API from Utila — 2 operation(s) for vaults.

Utila Wallets API

The Wallets API from Utila — 10 operation(s) for wallets.

Scroll for all 7

Postman Collections 7

Ready-to-run Postman collections for exercising this provider's APIs.

Utila Address Book API

POSTMAN

Utila Address Book Assets API

POSTMAN

Utila Address Book Balances API

POSTMAN

Utila Address Book Blockchains API

POSTMAN

Utila Address Book Transactions API

POSTMAN

Utila Address Book Vaults API

POSTMAN

Utila Address Book Wallets API

POSTMAN

Scroll for all 7

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Utila Address Book API

OPEN COLLECTION

Utila Address Book Assets API

OPEN COLLECTION

Utila Address Book Balances API

OPEN COLLECTION

Utila Address Book Blockchains API

OPEN COLLECTION

Utila Address Book Transactions API

OPEN COLLECTION

Utila Address Book Vaults API

OPEN COLLECTION

Utila Address Book Wallets API

OPEN COLLECTION

Scroll for all 7

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Initiate and monitor a transfer with Utila

AGENT SKILL

Provision a wallet and deposit address with Utila

AGENT SKILL

Sweep token balances to treasury with Utila

AGENT SKILL

Utila API pricing

Prices published by Utila, read 2026-10-28 from utila.io/pricing.

Plan	Price
Starter	$799 per month Includes: Up to $3M outbound transaction volume per quarter, 1000 active wallets, 1 vault, 3 users, 24/7 chat
Custom	Let's talk Includes: Plans include Growth, Pro, Scale, and Enterprise; Custom outbound transaction volume, wallet/vault l

Plan details, limits and sources →

Billed by: subscription · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Utila Plans Pricing

2 plans

PLANS

Utila Price Estimates

0 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Utila

SLA

FinOps 1

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

Utila Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Utila Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Utila API Rules

50 rules · 39 errors 9 warnings 2 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Utila V2 Overlay

3 actions · documentation · utila-v2-openapi-original.json

DERIVED

Security Posture 3

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

Utila Authentication

http · 1 scheme

SECURITY

Utila Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Utila Trust Center

SOC 2 Type II

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

WellKnown

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Lifecycle

Conventions

Conformance

Webhooks

DataModel

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

CLI

Packages

SDKs

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Compliance

DomainSecurity

Authentication

Operate 5

Status, limits, changes, and where to get help

Contact

Support

StatusPage

Deprecation

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: utila
name: Utila
description: Utila is an institutional digital asset wallet and stablecoin infrastructure platform for fintechs and enterprises.
  Built on MPC (multi-party computation) key management, it provides secure custody with policy-driven governance, embedded
  compliance and AML screening, and a resource-oriented REST API for programmatically managing vaults, MPC wallets, addresses,
  balances, and transactions across many blockchains — including sponsored (gas-abstracted) transfers, transaction simulation,
  an automated Co-Signer for signing workflows, webhooks, and a first-party CLI.
url: https://raw.githubusercontent.com/api-evangelist/utila/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- wing-venture-capital
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/utila.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Web3
- Digital Assets
- Stablecoins
- Custody
- MPC Wallets
- Blockchain
- Payments
- Treasury
apis:
- aid: utila:utila-address-book-api
  name: Utila Address Book API
  description: The Address Book API from Utila — 5 operation(s) for address book.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Address Book
  properties:
  - type: OpenAPI
    url: openapi/utila-address-book-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
- aid: utila:utila-assets-api
  name: Utila Assets API
  description: The Assets API from Utila — 3 operation(s) for assets.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Assets
  properties:
  - type: OpenAPI
    url: openapi/utila-assets-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
- aid: utila:utila-balances-api
  name: Utila Balances API
  description: The Balances API from Utila — 5 operation(s) for balances.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/utila-balances-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
- aid: utila:utila-blockchains-api
  name: Utila Blockchains API
  description: The Blockchains API from Utila — 4 operation(s) for blockchains.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Blockchains
  properties:
  - type: OpenAPI
    url: openapi/utila-blockchains-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
- aid: utila:utila-transactions-api
  name: Utila Transactions API
  description: The Transactions API from Utila — 11 operation(s) for transactions.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/utila-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
- aid: utila:utila-vaults-api
  name: Utila Vaults API
  description: The Vaults API from Utila — 2 operation(s) for vaults.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Vault
  tags_raw:
  - Vaults
  properties:
  - type: OpenAPI
    url: openapi/utila-vaults-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
- aid: utila:utila-wallets-api
  name: Utila Wallets API
  description: The Wallets API from Utila — 10 operation(s) for wallets.
  humanURL: https://docs.utila.io/reference/api-overview
  baseURL: https://api.utila.io
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/utila-wallets-api-openapi.yml
  - type: Documentation
    url: https://docs.utila.io/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/utila-capability-edges.yml
  name: Utila Business Capability Map
- type: Plans
  url: plans/utila-plans-pricing.yml
- type: Overlay
  url: overlays/utila-v2-overlay.yaml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/utila/overview
- type: Website
  url: https://utila.io/
- type: DeveloperPortal
  url: https://docs.utila.io/
- type: Documentation
  url: https://docs.utila.io/
- type: APIReference
  url: https://docs.utila.io/reference/api-overview
- type: GettingStarted
  url: https://docs.utila.io/reference/example-client
- type: Blog
  url: https://utila.io/blog
- type: GitHubOrganization
  url: https://github.com/utila-io
- type: Pricing
  url: https://utila.io/pricing
- type: Login
  url: https://console.utila.io/
- type: TermsOfService
  url: https://utila.io/legal/terms-of-use
- type: PrivacyPolicy
  url: https://utila.io/legal/privacy-policy
- type: Contact
  url: https://utila.io/contact
- type: Support
  url: https://support.utila.io/
- type: StatusPage
  url: https://status.utila.io/
- type: TrustCenter
  url: security/utila-trust-center.yml
- type: Compliance
  url: https://trust.utila.io/
- type: DomainSecurity
  url: security/utila-domain-security.yml
- type: Authentication
  url: authentication/utila-authentication.yml
- type: ErrorCatalog
  url: errors/utila-problem-types.yml
- type: Lifecycle
  url: lifecycle/utila-lifecycle.yml
- type: Deprecation
  url: lifecycle/utila-lifecycle.yml
- type: ChangeLog
  url: changelog/utila-changelog.yml
- type: Conventions
  url: conventions/utila-conventions.yml
- type: Conformance
  url: conformance/utila-conformance.yml
- type: CLI
  url: cli/utila-cli.yml
- type: Webhooks
  url: asyncapi/utila-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/utila-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/utila-llms.txt
- type: WellKnown
  url: well-known/utila-well-known.yml
- type: Packages
  url: packages/utila-packages.yml
- type: SDKs
  url: packages/utila-packages.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/utila-data-model.yml

Utila API — frequently asked questions

Does Utila have an API?

Yes. APIs.io lists 7 APIs from Utila, including Utila Address Book API, Utila Assets API and Utila Balances API, and 4 more.

Is there an OpenAPI specification for the Utila API?

Yes. APIs.io indexes 7 OpenAPI specifications for Utila, each linked for download from this page.

How do I authenticate with the Utila API?

Utila uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Utila Authentication.

How much does the Utila API cost?

Utila publishes its prices; its Starter plan is $799 per month as of 2026-10-28. APIs.io lists 2 pricing plans for Utila, with each plan's price, limits and inclusions under Pricing on this page.

Is the Utila API ready for AI agents?

Utila has a Kin Score of 62.3 out of 100 (strong) and an Agent Readiness score of 29.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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