Chase · Agentic Access

Chase Agentic Access

x-agentic-access generated

Chase exposes 23 API operations that an AI agent could call, of which 11 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: 12 read, 5 write, 4 physical, and 2 safety-critical.

2 operations are classed safety-critical and should require human-in-the-loop approval at runtime.

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.

Account AggregationBankingConsentCredit CardsFDXFinancial ServicesLoyaltyOpen BankingPay with PointsRewards

Operations: 23 Acting: 11 Human-in-the-loop: 2 Method: generated

By consequence

read 12 write 5 physical 4 safety-critical 2

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.

Method	Path	Consequence	Human-in-loop
DELETE	/consents/{consentId}	safety-critical	required
DELETE	/enrollments/{enrollmentId}	safety-critical	required
POST	/orders	physical	conditional
POST	/orders/{orderId}/capture	physical	conditional
POST	/orders/{orderId}/refunds	physical	conditional
POST	/orders/{orderId}/reverse	physical	conditional

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/chase-account-aggregation-user-consent-api-openapi.yml, openapi/chase-account-and-customer-information-api-openapi.yml,
  openapi/chase-loyalty-pay-with-points-enrollment-service-api-openapi.yml, openapi/chase-loyalty-pay-with-points-order-service-api-openapi.yml,
  openapi/chase-loyalty-pci-merchant-relationship-manager-api-openapi.yml, openapi/chase-rewards-balance-api-openapi.yml
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: 23
  by_action_class:
    acting: 11
    connected: 12
  by_consequence:
    write: 5
    read: 12
    safety-critical: 2
    physical: 4
  human_in_the_loop_required: 2
operations:
- path: /consents
  method: post
  operationId: createConsent
  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: /consents
  method: get
  operationId: listConsents
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /consents/{consentId}
  method: get
  operationId: getConsent
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /consents/{consentId}
  method: delete
  operationId: revokeConsent
  x-agentic-access:
    action-class: acting
    consequence: safety-critical
    subject: required
    audience: null
    token:
      max-ttl: 120
      exchange: true
      purpose-required: true
      proof-of-possession: true
    escalation:
      human-in-the-loop: required
    audit: required
- path: /accounts
  method: get
  operationId: listAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}
  method: get
  operationId: getAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/transactions
  method: get
  operationId: listAccountTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/statements
  method: get
  operationId: listStatements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/tax-forms
  method: get
  operationId: listTaxForms
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/current
  method: get
  operationId: getCurrentCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /enrollments
  method: post
  operationId: createEnrollment
  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: /enrollments/{enrollmentId}
  method: get
  operationId: getEnrollment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /enrollments/{enrollmentId}
  method: delete
  operationId: revokeEnrollment
  x-agentic-access:
    action-class: acting
    consequence: safety-critical
    subject: required
    audience: null
    token:
      max-ttl: 120
      exchange: true
      purpose-required: true
      proof-of-possession: true
    escalation:
      human-in-the-loop: required
    audit: required
- path: /orders
  method: post
  operationId: createOrder
  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: /orders/{orderId}
  method: get
  operationId: getOrder
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /orders/{orderId}/capture
  method: post
  operationId: captureOrder
  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: /orders/{orderId}/refunds
  method: post
  operationId: refundOrder
  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: /orders/{orderId}/reverse
  method: post
  operationId: reverseOrder
  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: /merchants
  method: post
  operationId: createMerchant
  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: /merchants
  method: get
  operationId: listMerchants
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /merchants/{merchantId}
  method: get
  operationId: getMerchant
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /merchants/{merchantId}
  method: put
  operationId: updateMerchant
  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: /balances
  method: post
  operationId: getRewardsBalance
  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