Credilinq.ai · Agentic Access

Credilinq.ai Agentic Access

x-agentic-access generated

Credilinq.ai exposes 31 API operations that an AI agent could call, of which 17 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: 14 read and 17 safety-critical.

17 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.

CompanyFintechEmbedded FinanceLendingBNPLCreditPaymentsKYCB2B

Operations: 31 Acting: 17 Human-in-the-loop: 17 Method: generated

By consequence

read 14 safety-critical 17

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	/v1/auth/generate-token	safety-critical	required
POST	/v1/kyc/individual/create	safety-critical	required
PUT	/v1/kyc/individual/update	safety-critical	required
POST	/v1/kyc/send-for-review	safety-critical	required
POST	/v1/loan	safety-critical	required
POST	/v1/loan/calculateloanschedule	safety-critical	required
POST	/v1/loan/disburse	safety-critical	required
POST	/v1/onboarding/check-eligibility	safety-critical	required
POST	/v1/onboarding/initiate-data-processing	safety-critical	required
POST	/v1/onboarding/send-agreement	safety-critical	required
POST	/v1/payments/loan/initiate-payment	safety-critical	required
POST	/v1/payments/loan/make-payment	safety-critical	required
POST	/v1/payments/loans/reconcilepayment	safety-critical	required
POST	/v2/kyc/customer/create	safety-critical	required
PUT	/v2/kyc/customer/update	safety-critical	required
POST	/v2/kyc/director/create	safety-critical	required
PUT	/v2/kyc/director/update	safety-critical	required

Source

Agentic Access

generated: '2026-07-18'
method: generated
source: openapi/credilinqai-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: 31
  by_action_class:
    acting: 17
    connected: 14
  by_consequence:
    safety-critical: 17
    read: 14
  human_in_the_loop_required: 17
operations:
- path: /v1/auth/generate-token
  method: post
  operationId: AuthenticationController_generateToken
  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: /v1/onboarding/check-eligibility
  method: post
  operationId: OnboardingController_initiateOnboardingApplication
  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: /v1/onboarding/initiate-data-processing
  method: post
  operationId: OnboardingController_initiateDaraProcessing
  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: /v1/onboarding/send-agreement
  method: post
  operationId: OnboardingController_generateKycDocusign
  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: /v2/kyc/customer/create
  method: post
  operationId: KycController_createCustomerKYCV2
  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: /v2/kyc/customer/update
  method: put
  operationId: KycController_updateCustomerKYCV2
  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: /v2/kyc/director/create
  method: post
  operationId: KycController_addDirectorKycV2
  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: /v2/kyc/director/update
  method: put
  operationId: KycController_updateDirectorInformationV2
  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: /v1/kyc/send-for-review
  method: post
  operationId: KycController_sendKycForReview
  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: /v1/kyc/details/{applicationId}
  method: get
  operationId: KycController_getKycData
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/kyc/individual/create
  method: post
  operationId: KycController_createIndividualCustomerKYC
  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: /v1/kyc/individual/update
  method: put
  operationId: KycController_updateIndividualCustomerKYC
  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: /v1/customer/{customerReferenceNo}/payment-methods
  method: get
  operationId: ClientController_getCustomerChosenPaymentMethods
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customer/{customerReferenceNo}/line-details
  method: get
  operationId: ClientController_getCustomerCreditLineDetails
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customer/{customerReferenceNo}/loans
  method: get
  operationId: ClientController_getCustomerActiveLoans
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customer/holidays/{customerReferenceNo}
  method: get
  operationId: ClientController_getHolidaysByCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/loan/calculateloanschedule
  method: post
  operationId: DrawdownController_calculateRepaymentScheduleBNPL
  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: /v1/loan
  method: post
  operationId: DrawdownController_createDrawdownBNPL
  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: /v1/loan/disburse
  method: post
  operationId: DrawdownController_disburseDrawdownBNPL
  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: /v1/loan/summary/{loanId}
  method: get
  operationId: DrawdownController_getDrawdownBNPL
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/payments/loan/initiate-payment
  method: post
  operationId: PaymentsController_initiatePaymentBNPLV1
  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: /v1/payments/loan/make-payment
  method: post
  operationId: PaymentsController_makePaymentBNPLV1
  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: /v1/payments/loans/reconcilepayment
  method: post
  operationId: PaymentsController_verifyPaymentBNPL
  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: /v1/payments/loans/payment/{loanId}
  method: get
  operationId: PaymentsController_getAllPaymentsV1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/reports/partner/partner-report
  method: get
  operationId: ReportController_getPartnerReport
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/reports/customer/{customerReferenceNo}/dashboard
  method: get
  operationId: ReportController_getClientDashboardData
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/reports/credit-history/{customerReferenceNo}
  method: get
  operationId: ReportController_GetAllCreditHistoryByRefNo
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/others/demographic-info/postal-codes
  method: get
  operationId: OthersController_getPostalCodes
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/others/demographic-info/countries
  method: get
  operationId: OthersController_getCountries
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/others/demographic-info/addresses
  method: get
  operationId: OthersController_getFullAddresses
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/others/kyc/document-types
  method: get
  operationId: OthersController_getKycDocumentType
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none