BMO · Agentic Access

BMO Agentic Access

x-agentic-access generated

BMO exposes 30 API operations that an AI agent could call, of which 24 are state-changing ‘acting’ operations. This is a recommended x-agentic-access execution contract — the scope, audience, consequence tier, short-lived token constraints, and escalation each action should carry before it is handed to an autonomous agent.

By consequence: 6 read, 6 write, and 18 physical.

Contracts are classified heuristically from the provider’s OpenAPI and refresh on every APIs.io network build; audience is bound per deployment. The model follows Curity’s Access Intelligence (apidays Munich 2026). Browse every provider’s agent contracts at agentic-access.apis.io.

Financial ServicesBankingUnited StatesOpen FinancePaymentsCommercial BankingTreasury ManagementAccount Validation
Operations: 30 Acting: 24 Human-in-the-loop: 0 Method: generated

By consequence

read 6 write 6 physical 18

Highest-consequence actions

The physical and safety-critical operations an agent could invoke — the ones that most warrant scoped tokens, tight TTLs, and escalation. Full per-operation contracts are in the source below.

MethodPathConsequenceHuman-in-loop
POST /paymentStatusUpdate/v1 physical conditional
POST /tpp/ach/payment-initiation/customer-credit-transfer-initiation physical conditional
POST /tpp/ach/payment-initiation/customer-direct-debit-initiation physical conditional
POST /tpp/ach/payment-initiation/get-transaction-status/get physical conditional
POST /tpp/eft/payment-initiation/customer-credit-transfer-initiation physical conditional
POST /tpp/eft/payment-initiation/customer-direct-debit-initiation physical conditional
POST /tpp/eft/payment-initiation/get-transaction-status/get physical conditional
POST /tpp/interac-etransfer/payment-execution/customer-payment-cancellation-request physical conditional
POST /tpp/interac-etransfer/payment-initiation/creditor-payment-activation-request physical conditional
POST /tpp/interac-etransfer/payment-initiation/customer-credit-transfer-initiation physical conditional
POST /tpp/interac-etransfer/payment-initiation/get-emt-recipient-payment-options/get physical conditional
POST /tpp/interac-etransfer/payment-initiation/get-request-for-payment-transaction physical conditional
POST /tpp/interac-etransfer/payment-initiation/get-transaction physical conditional
POST /tpp/wires/payment-initiation/creditor-payment-activation-request physical conditional
POST /tpp/wires/payment-initiation/customer-credit-transfer-initiation physical conditional
POST /tpp/wires/payment-initiation/customer-credit-transfer-initiation/us physical conditional
POST /tpp/wires/payment-initiation/get-transaction-status/get physical conditional
POST /tpp/wires/payment-initiation/get-transaction-status/us/get physical conditional

Source

Agentic Access

Raw ↑ 
generated: '2026-07-23'
method: generated
source: openapi/bmo-account-information-openapi.json, openapi/bmo-account-validation-openapi.json,
  openapi/bmo-ach-payments-openapi.json, openapi/bmo-authorize-token-swagger.json, openapi/bmo-client-data-encryption-key-swagger.json,
  openapi/bmo-eft-payments-openapi.json, openapi/bmo-image-retrieval-swagger.json, openapi/bmo-interac-instant-payments-openapi.json,
  openapi/bmo-push-notification-openapi.json, openapi/bmo-wire-payments-ca-openapi.json, openapi/bmo-wire-payments-us-openapi.json
description: Recommended x-agentic-access execution contracts, classified heuristically from
  the OpenAPI. A governance starting point for exposing this API to AI agents — review and bind
  audience per deployment. See research/curity/agentic-governance/.
summary:
  operations: 30
  by_action_class:
    connected: 6
    acting: 24
  by_consequence:
    read: 6
    write: 6
    physical: 18
  human_in_the_loop_required: 0
operations:
- path: /accounts
  method: get
  operationId: Search for Accounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
    scope:
    - FinancialInformation
- path: /accounts/{accountId}
  method: get
  operationId: Get an Account
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
    scope:
    - FinancialInformation
- path: /accounts/{accountId}/transactions
  method: get
  operationId: Search for Account Transactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
    scope:
    - FinancialInformation
- path: /accounts/validate/get
  method: post
  operationId: ValidateAccounts
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
    scope:
    - AccountValidation
- path: /tpp/ach/payment-initiation/customer-credit-transfer-initiation
  method: post
  operationId: CreditPaymentInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppach.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/ach/payment-initiation/customer-direct-debit-initiation
  method: post
  operationId: DebitPaymentInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppach.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/ach/payment-initiation/get-transaction-status/get
  method: post
  operationId: PaymentStatus
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppach.payment-initiation.read
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/ach/customer-access-entitlement/commercial-user-access-arrangement/get
  method: post
  operationId: ACHCompanyIDList
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - bmo.tppach.payment-initiation.read
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /oauth20/authorize
  method: get
  operationId: Retrieve authorization code
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /oauth20/token
  method: post
  operationId: Request Access Tokens
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /issued-device-administration/client-data-encryption-key/get
  method: post
  operationId: post-retrievecryptoinstruction
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/eft/payment-initiation/customer-credit-transfer-initiation
  method: post
  operationId: CustomerCreditTransferInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppeft.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/eft/payment-initiation/customer-direct-debit-initiation
  method: post
  operationId: CustomerDebitTransferInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppeft.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/eft/payment-initiation/get-transaction-status/get
  method: post
  operationId: GetTransactionStatus
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppeft.payment-initiation.read
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/eft/customer-access-entitlement/commercial-user-access-arrangement/get
  method: post
  operationId: GetServiceAgreementList
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - bmo.tppeft.payment-initiation.read
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /accounts/transaction-images-accounts
  method: get
  operationId: Search for Accounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
    scope:
    - ItemImage
- path: /accounts/{accountId}/transaction-images/get
  method: post
  operationId: Search for Images
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
    scope:
    - ItemImage
- path: /accounts/{accountId}/transaction-images/{imageId}
  method: get
  operationId: Retrieve Images
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
    scope:
    - ItemImage
- path: /tpp/interac-etransfer/payment-initiation/get-transaction
  method: post
  operationId: TPP-EMTGetTransaction
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppinterac.payment-initiation.read
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/interac-etransfer/payment-initiation/get-request-for-payment-transaction
  method: post
  operationId: TPP-EMTGetRequestForPaymentTransaction
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppinterac.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/interac-etransfer/payment-initiation/creditor-payment-activation-request
  method: post
  operationId: TPP-EMTCreditorPaymentActivationRequest
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppinterac.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/interac-etransfer/payment-initiation/get-emt-recipient-payment-options/get
  method: post
  operationId: TPP-EMTRecipientPaymentOptions
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppinterac.payment-initiation.read
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/interac-etransfer/payment-initiation/customer-credit-transfer-initiation
  method: post
  operationId: TPP-EMTCustomerCreditTransferInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppinterac.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/interac-etransfer/payment-execution/customer-payment-cancellation-request
  method: post
  operationId: TPP-EMTCustomerCancelTransferInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppinterac.payment-execution.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /paymentStatusUpdate/v1
  method: post
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/wires/payment-initiation/customer-credit-transfer-initiation
  method: post
  operationId: TppCustomerCreditTransferInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppwiresca.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/wires/payment-initiation/get-transaction-status/get
  method: post
  operationId: TppGetPaymentStatus
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppwiresca.payment-initiation.read
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/wires/payment-initiation/customer-credit-transfer-initiation/us
  method: post
  operationId: TppCustomerCreditTransferInitiation
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppwiresus.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/wires/payment-initiation/get-transaction-status/us/get
  method: post
  operationId: TppGetPaymentStatus
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppwiresus.payment-initiation.read
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /tpp/wires/payment-initiation/creditor-payment-activation-request
  method: post
  operationId: TppCreditorPaymentActivationRequest
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - bmo.tppwiresus.payment-initiation.create
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required