specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
provider: USAA
providerId: usaa
publisherName: United Services Automobile Association
serviceCategory: Financial Services
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - Financial Services
  - Banking
  - Insurance
  - FinOps
  - FOCUS
description: 'FinOps shape for USAA: there is no developer-billed API surface. Member services are funded through banking/insurance product margins; partner integrations live inside data-sharing agreements rather than a metered API.'
sources:
  - https://www.usaa.com/
notes: No public usage-based billing surface for USAA APIs. Member-facing services aren't billed per API call; partner data-sharing terms are private.
billingModel:
  pricingCategory: Bundled with Member Product
  billingFrequency: None (Partner Agreement)
  billingCurrency: USD
  chargeCategories:
    - Purchase
focusColumns:
  ServiceName: USAA
  ServiceCategory: Financial Services
  ProviderName: USAA
  PublisherName: United Services Automobile Association
  InvoiceIssuerName: USAA
  BillingCurrency: USD
meters:
  - name: contracted_access
    description: API access provisioned under a partner data-sharing agreement; not metered as a developer billing line
    unit: varies
    aggregation: count
principles:
  - name: Visibility
    description: USAA does not expose a public usage API; partners must reconcile traffic through their own client-side telemetry and any reporting agreed in the data-sharing contract.
  - name: Allocation
    description: Costs are not allocated to USAA-issued line items; integration partners absorb their own costs and report internally.
  - name: Optimization
    description: Optimization is at the integration design level (consumer-permissioned data, refresh cadence, scope minimization) rather than per-call cost.
  - name: Accountability
    description: Owned by the integration partner's engineering and risk-management functions, with USAA holding contractual oversight via the data-sharing agreement.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com