Defacto · Agentic Access

Defacto Agentic Access

x-agentic-access generated

Defacto exposes 77 API operations that an AI agent could call, of which 41 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: 36 read, 30 write, and 11 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.

CompanyFintechEmbedded FinanceLendingWorking CapitalInvoice FinancingCreditB2B PaymentsSMBFranceEurope

Operations: 77 Acting: 41 Human-in-the-loop: 0 Method: generated

By consequence

read 36 write 30 physical 11

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	/borrower/{borrower_id}/repayment-methods	physical	conditional
POST	/business/data/invoices	physical	conditional
POST	/installment-plans	physical	conditional
DELETE	/invoice/{invoice_id}	physical	conditional
PATCH	/invoice/{invoice_id}	physical	conditional
POST	/invoice/{invoice_id}/submit	physical	conditional
POST	/invoices	physical	conditional
POST	/invoices/upload	physical	conditional
PUT	/loan/repayment-terms	physical	conditional
POST	/referrer/{referrer_id}/upload-invoice/{revenue_share_id}	physical	conditional
POST	/sandbox/invoice-generator	physical	conditional

Source

Agentic Access

generated: '2026-07-18'
method: generated
source: openapi/defacto-openapi-original.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: 77
  by_action_class:
    acting: 41
    connected: 36
  by_consequence:
    physical: 11
    read: 36
    write: 30
  human_in_the_loop_required: 0
operations:
- path: /invoice/{invoice_id}
  method: delete
  operationId: delete_invoice-invoice-id
  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: /invoice/{invoice_id}
  method: get
  operationId: get_invoice-invoice-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /invoice/{invoice_id}
  method: patch
  operationId: patch_invoice-invoice-id
  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: /webhook/{webhook_id}
  method: delete
  operationId: delete_webhook-webhook-id
  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: /webhook/{webhook_id}
  method: patch
  operationId: patch_webhook-webhook-id
  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: /bills
  method: get
  operationId: get_bills
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /borrower/{borrower_id}/financial-products
  method: get
  operationId: get_borrower-borrower-id-financial-products
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /borrower/{borrower_id}/repayment-methods
  method: get
  operationId: get_borrower-borrower-id-repayment-methods
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /borrower/{borrower_id}/repayment-methods
  method: post
  operationId: post_borrower-borrower-id-repayment-methods
  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: /borrower/{borrower_id}
  method: get
  operationId: get_borrower-borrower-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /borrowers
  method: get
  operationId: get_borrowers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /borrowers
  method: post
  operationId: post_borrowers
  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: /business/{business_id}/segment
  method: get
  operationId: get_business-business-id-segment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /business/data-request/data-type/{data_type}
  method: get
  operationId: get_business-data-request-data-type-data-type
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /business/public-data
  method: get
  operationId: get_business-public-data
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /cards/{card_id}/entries/export
  method: get
  operationId: get_cards-card-id-entries-export
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /cards/{card_id}/entries
  method: get
  operationId: get_cards-card-id-entries
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /cards/{card_id}
  method: get
  operationId: get_cards-card-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /cards
  method: get
  operationId: get_cards
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /counterparties
  method: get
  operationId: get_counterparties
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /counterparties
  method: post
  operationId: post_counterparties
  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: /counterparty/{counterparty_id}
  method: get
  operationId: get_counterparty-counterparty-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /credit_line/{credit_line_id}
  method: get
  operationId: get_credit-line-credit-line-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /credit_line
  method: get
  operationId: get_credit-line
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /credit_lines
  method: get
  operationId: get_credit-lines
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /eligibility/reasons
  method: get
  operationId: get_eligibility-reasons
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /events
  method: get
  operationId: get_events
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /hello
  method: get
  operationId: get_hello
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /installment-plan/{installment_plan_id}
  method: get
  operationId: get_installment-plan-installment-plan-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /installments
  method: get
  operationId: get_installments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /invoices
  method: get
  operationId: get_invoices
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /invoices
  method: post
  operationId: post_invoices
  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: /loan/{loan_id}/events
  method: get
  operationId: get_loan-loan-id-events
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /loan/{loan_id}
  method: get
  operationId: get_loan-loan-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /loan/{loan_id}
  method: patch
  operationId: patch_loan-loan-id
  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: /loans
  method: get
  operationId: get_loans
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /loans
  method: post
  operationId: post_loans
  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: /onboarding/{onboarding_id}
  method: get
  operationId: get_onboarding-onboarding-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payments
  method: get
  operationId: get_payments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /recollection-case/{recollection_case_id}
  method: get
  operationId: get_recollection-case-recollection-case-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /recollection-case/{recollection_case_id}
  method: put
  operationId: put_recollection-case-recollection-case-id
  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: /recollection-cases
  method: get
  operationId: get_recollection-cases
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /recollection-cases
  method: post
  operationId: post_recollection-cases
  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: /referrer/{referrer_id}
  method: get
  operationId: get_referrer-referrer-id
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /sandbox/business-generator
  method: get
  operationId: get_sandbox-business-generator
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /sandbox/iban-generator
  method: get
  operationId: get_sandbox-iban-generator
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /translation/denial-code/{code}
  method: get
  operationId: get_translation-denial-code-code
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /webhooks
  method: get
  operationId: get_webhooks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /webhooks
  method: post
  operationId: post_webhooks
  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: /cards/{card_id}/status
  method: patch
  operationId: patch_cards-card-id-status
  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: /bill/{bill_id}/sent
  method: post
  operationId: post_bill-bill-id-sent
  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: /borrower/{borrower_id}/deactivate
  method: post
  operationId: post_borrower-borrower-id-deactivate
  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: /borrower/{borrower_id}/owner
  method: post
  operationId: post_borrower-borrower-id-owner
  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: /borrower/{borrower_id}/sign
  method: post
  operationId: post_borrower-borrower-id-sign
  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: /business/data/account-transactions
  method: post
  operationId: post_business-data-account-transactions
  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: /business/data/accounts
  method: post
  operationId: post_business-data-accounts
  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: /business/data/batch-upload/{batch_id}/close
  method: post
  operationId: post_business-data-batch-upload-batch-id-close
  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: /business/data/batch-upload
  method: post
  operationId: post_business-data-batch-upload
  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: /business/data/invoices
  method: post
  operationId: post_business-data-invoices
  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: /cards/{card_id}/ephemeral-key
  method: post
  operationId: post_cards-card-id-ephemeral-key
  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: /eligibility/beneficiary
  method: post
  operationId: post_eligibility-beneficiary
  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: /eligibility/borrower
  method: post
  operationId: post_eligibility-borrower
  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: /installment-plans
  method: post
  operationId: post_installment-plans-1
  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: /invoice/{invoice_id}/submit
  method: post
  operationId: post_invoice-invoice-id-submit
  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: /invoices/upload
  method: post
  operationId: post_invoices-upload
  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: /loan/documents/{document_type}
  method: post
  operationId: post_loan-documents-document-type
  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: /loan/{loan_id}/cancel
  method: post
  operationId: post_loan-loan-id-cancel
  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: /loan/{loan_id}/validate
  method: post
  operationId: post_loan-loan-id-validate
  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: /onboardings
  method: post
  operationId: post_onboardings
  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: /recollection-case/{recollection_case_id}/installment-plans/compute
  method: post
  operationId: post_recollection-case-recollection-case-id-installment-plans-compute
  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: /recollection-case/{recollection_case_id}/installment-plans
  method: post
  operationId: post_recollection-case-recollection-case-id-installment-plans
  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: /referrer/{referrer_id}/upload-invoice/{revenue_share_id}
  method: post
  operationId: post_referrer-referrer-id-upload-invoice-revenue-share-id
  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: /repay/now
  method: post
  operationId: post_repay-now
  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: /sandbox/business-eligible
  method: post
  operationId: post_sandbox-business-eligible
  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: /sandbox/invoice-generator
  method: post
  operationId: post_sandbox-invoice-generator
  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: /subscription/{subscription_id}/activate
  method: post
  operationId: post_subscription-subscription-id-activate
  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: /loan/repayment-terms
  method: put
  operationId: put_loan-repayment-terms
  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

Work with this as data

Every access contract here is available over the APIs.io API and to AI agents over MCP. Agentic Access is not yet its own endpoint on the v1 API. Reach it through catalog search and the tag graph, or the MCP server.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for agentic access

3 MCP tools reach this

apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

Search the catalog

curl "https://apis.io/api/v1/search?q=defacto-agentic-access&limit=10"

Everything under a tag

curl "https://apis.io/api/v1/tags/defacto-agentic-access"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

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A second provider on the same verified email joins the account you already have.