Commonwealth Bank · Agentic Access

Commonwealth Bank Agentic Access

x-agentic-access generated

Commonwealth Bank exposes 38 API operations that an AI agent could call, of which 6 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: 32 read, 3 write, and 3 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.

FinancialBanksConsumer BankingBusiness BankingOpen BankingCDRProduct Reference DataADIAustralia

Operations: 38 Acting: 6 Human-in-the-loop: 0 Method: generated

By consequence

read 32 write 3 physical 3

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
POST	/accounts/direct-debits	physical	conditional
POST	/banking/payments/scheduled	physical	conditional
POST	/payments/scheduled	physical	conditional

Source

Agentic Access

generated: '2026-07-21'
method: generated
source: openapi/commonwealth-bank-cdr-accounts-openapi.json, openapi/commonwealth-bank-cdr-balances-openapi.json,
  openapi/commonwealth-bank-cdr-customer-openapi.json, openapi/commonwealth-bank-cdr-payees-openapi.json,
  openapi/commonwealth-bank-cdr-products-openapi.json, openapi/commonwealth-bank-cdr-regular-payments-openapi.json,
  openapi/commonwealth-bank-cdr-transactions-openapi.json, openapi/commonwealth-bank-cds-banking-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: 38
  by_action_class:
    connected: 32
    acting: 6
  by_consequence:
    read: 32
    write: 3
    physical: 3
  human_in_the_loop_required: 0
operations:
- 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: getAccountDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/balance
  method: get
  operationId: getBalances
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/balances
  method: get
  operationId: listBalancesBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/balances
  method: post
  operationId: listBalancesSpecificAccounts
  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: /common/customer
  method: get
  operationId: getCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /common/customer/detail
  method: get
  operationId: getCustomerDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payees
  method: get
  operationId: listPayees
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payees/{payeeId}
  method: get
  operationId: getPayeeDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /products
  method: get
  operationId: listProducts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /products/{productId}
  method: get
  operationId: getProductDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/direct-debits
  method: get
  operationId: listDirectDebits
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/direct-debits
  method: get
  operationId: listDirectDebitsBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/direct-debits
  method: post
  operationId: listDirectDebitsSpecificAccounts
  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: /accounts/{accountId}/payments/scheduled
  method: get
  operationId: listScheduledPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payments/scheduled
  method: get
  operationId: listScheduledPaymentsBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payments/scheduled
  method: post
  operationId: listScheduledPaymentsSpecificAccounts
  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: /accounts/{accountId}/transactions
  method: get
  operationId: getTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/transactions/{transactionId}
  method: get
  operationId: getTransactionDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts
  method: get
  operationId: listBankingAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/balances
  method: get
  operationId: listBankingBalancesBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/balances
  method: post
  operationId: listBankingBalancesSpecificAccounts
  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: /banking/accounts/{accountId}/balance
  method: get
  operationId: getBankingBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/{accountId}
  method: get
  operationId: getBankingAccountDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/{accountId}/transactions
  method: get
  operationId: listBankingTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/{accountId}/transactions/{transactionId}
  method: get
  operationId: getBankingTransactionDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/{accountId}/direct-debits
  method: get
  operationId: listDirectDebits
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/direct-debits
  method: get
  operationId: listDirectDebitsBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/direct-debits
  method: post
  operationId: listDirectDebitsSpecificAccounts
  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: /banking/accounts/{accountId}/payments/scheduled
  method: get
  operationId: listScheduledPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/payments/scheduled
  method: get
  operationId: listScheduledPaymentsBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/payments/scheduled
  method: post
  operationId: listScheduledPaymentsSpecificAccounts
  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: /banking/accounts/{accountId}/payments/plans
  method: get
  operationId: listInstalmentPlans
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/accounts/payments/plans
  method: get
  operationId: listInstalmentPlansBulk
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/payees
  method: get
  operationId: listBankingPayees
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/payees/{payeeId}
  method: get
  operationId: getBankingPayeeDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/products
  method: get
  operationId: listBankingProducts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banking/products/{productId}
  method: get
  operationId: getBankingProductDetail
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none