Dwolla · Agentic Access
Dwolla Agentic Access

x-agentic-access generated
Dwolla exposes 164 API operations that an AI agent could call, of which 68 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: 96 read, 52 write, and 16 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.
PaymentsACHBank TransfersFintechAccount-to-Account PaymentsMoney MovementInstant PaymentsOpen BankingWebhooksKYCUnited StatesOpen FinanceSame-Day ACHRTPFedNowMass PaymentsDrop-in ComponentsSDKsSandbox
Operations: 164 Acting: 68 Human-in-the-loop: 0 Method: generated
By consequence

read 96 write 52 physical 16
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	/customers/{id}/beneficial-ownership	physical	conditional
POST	/customers/{id}/beneficial-ownership	physical	conditional
POST	/funding-sources/{id}/micro-deposits	physical	conditional
POST	/funding-sources/{id}/micro-deposits	physical	conditional
POST	/mass-payments	physical	conditional
POST	/mass-payments	physical	conditional
POST	/mass-payments/{id}	physical	conditional
POST	/mass-payments/{id}	physical	conditional
POST	/on-demand-authorizations	physical	conditional
POST	/on-demand-authorizations	physical	conditional
POST	/sandbox-simulations	physical	conditional
POST	/sandbox-simulations	physical	conditional
POST	/transfers	physical	conditional
POST	/transfers	physical	conditional
POST	/transfers/{id}	physical	conditional
POST	/transfers/{id}	physical	conditional
Source

Agentic Access

generated: '2026-07-23'
method: generated
source: openapi/dwolla-accounts-openapi.yml, openapi/dwolla-beneficial-owners-openapi.yml, openapi/dwolla-client-tokens-openapi.yml,
  openapi/dwolla-customers-openapi.yml, openapi/dwolla-documents-openapi.yml, openapi/dwolla-events-openapi.yml,
  openapi/dwolla-exchange-sessions-openapi.yml, openapi/dwolla-exchanges-openapi.yml, openapi/dwolla-funding-sources-openapi.yml,
  openapi/dwolla-kba-openapi.yml, openapi/dwolla-labels-openapi.yml, openapi/dwolla-mass-payments-openapi.yml,
  openapi/dwolla-openapi.yml, openapi/dwolla-root-openapi.yml, openapi/dwolla-sandbox-simulations-openapi.yml,
  openapi/dwolla-tokens-openapi.yml, openapi/dwolla-transfers-openapi.yml, openapi/dwolla-webhook-subscriptions-openapi.yml,
  openapi/dwolla-webhooks-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: 164
  by_action_class:
    connected: 96
    acting: 68
  by_consequence:
    read: 96
    write: 52
    physical: 16
  human_in_the_loop_required: 0
operations:
- path: /accounts/{id}
  method: get
  operationId: getAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources
  method: post
  operationId: createFundingSource
  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: /accounts/{id}/funding-sources
  method: get
  operationId: listFundingSources
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{id}/transfers
  method: get
  operationId: listAndSearchTransfers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{id}/mass-payments
  method: get
  operationId: listMassPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/beneficial-owners
  method: get
  operationId: listBeneficialOwnersForCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/beneficial-owners
  method: post
  operationId: createBeneficialOwnerForCustomer
  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: /beneficial-owners/{id}
  method: get
  operationId: retrieveBeneficialOwner
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /beneficial-owners/{id}
  method: post
  operationId: updateBeneficialOwner
  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: /beneficial-owners/{id}
  method: delete
  operationId: deleteBeneficialOwner
  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: /customers/{id}/beneficial-ownership
  method: get
  operationId: getBeneficialOwnershipStatusForCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/beneficial-ownership
  method: post
  operationId: certifyBeneficialOwnershipForCustomer
  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: /client-tokens
  method: post
  operationId: createClientToken
  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: /customers
  method: get
  operationId: listAndSearchCustomers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers
  method: post
  operationId: createCustomer
  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: /customers/{id}
  method: get
  operationId: getCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}
  method: post
  operationId: update
  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-classifications
  method: get
  operationId: listBusinessClassifications
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /business-classifications/{id}
  method: get
  operationId: retrieveBusinessClassification
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/documents
  method: get
  operationId: listCustomerDocuments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/documents
  method: post
  operationId: createCustomerDocument
  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: /beneficial-owners/{id}/documents
  method: get
  operationId: listBeneficialOwnerDocuments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /beneficial-owners/{id}/documents
  method: post
  operationId: createBeneficialOwnerDocument
  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: /documents/{id}
  method: get
  operationId: retrieveDocument
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /events
  method: get
  operationId: listEvents
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /events/{id}
  method: get
  operationId: getEvent
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/exchange-sessions
  method: post
  operationId: createCustomerExchangeSession
  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: /exchange-sessions/{id}
  method: get
  operationId: retrieveCustomerExchangeSession
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /exchanges/{id}/exchange-sessions
  method: post
  operationId: createReAuthExchangeSession
  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: /customers/{id}/available-exchange-connections
  method: get
  operationId: listAvailableExchangeConnections
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /exchange-partners
  method: get
  operationId: listExchangePartners
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /exchange-partners/{id}
  method: get
  operationId: getExchangePartner
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /exchanges
  method: get
  operationId: listAccountExchanges
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /exchanges
  method: post
  operationId: createAccountExchange
  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: /exchanges/{id}
  method: get
  operationId: getExchange
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/exchanges
  method: get
  operationId: listCustomerExchanges
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/exchanges
  method: post
  operationId: createCustomerExchange
  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: /customers/{id}/funding-sources
  method: get
  operationId: listCustomerFundingSources
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/funding-sources
  method: post
  operationId: createCustomerFundingSource
  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: /funding-sources/{id}
  method: get
  operationId: getFundingSource
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources/{id}
  method: post
  operationId: updateOrRemoveFundingSource
  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: /funding-sources/{id}/micro-deposits
  method: get
  operationId: getMicroDeposits
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources/{id}/micro-deposits
  method: post
  operationId: initiateOrVerifyMicroDeposits
  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: /funding-sources/{id}/balance
  method: get
  operationId: getFundingSourceBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources/{id}/ach-routing
  method: get
  operationId: getVanRouting
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /on-demand-authorizations
  method: post
  operationId: createOnDemandTransferAuthorization
  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: /customers/{id}/kba
  method: post
  operationId: initiateKbaForCustomer
  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: /kba/{id}
  method: get
  operationId: getKbaQuestions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /kba/{id}
  method: post
  operationId: verifyKbaQuestions
  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: /labels/{id}
  method: get
  operationId: getLabel
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /labels/{id}
  method: delete
  operationId: removeLabel
  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: /customers/{id}/labels
  method: get
  operationId: listCustomerLabels
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/labels
  method: post
  operationId: createCustomerLabel
  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: /labels/{id}/ledger-entries
  method: get
  operationId: listLabelLedgerEntries
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /labels/{id}/ledger-entries
  method: post
  operationId: createLabelLedgerEntry
  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: /ledger-entries/{ledgerEntryId}
  method: get
  operationId: getLabelLedgerEntry
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /label-reallocations
  method: post
  operationId: createLabelReallocation
  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: /label-reallocations/{reallocationId}
  method: get
  operationId: retrieveLabelReallocation
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /mass-payments
  method: post
  operationId: initiateMassPayment
  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: /mass-payments/{id}
  method: get
  operationId: getMassPayment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /mass-payments/{id}
  method: post
  operationId: updateMassPayment
  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: /mass-payments/{id}/items
  method: get
  operationId: listMassPaymentItems
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /mass-payment-items/{itemId}
  method: get
  operationId: getMassPaymentItem
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/mass-payments
  method: get
  operationId: listCustomerMassPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /token
  method: post
  operationId: createApplicationAccessToken
  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: /
  method: get
  operationId: getRoot
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{id}
  method: get
  operationId: getAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources
  method: post
  operationId: createFundingSource
  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: /accounts/{id}/funding-sources
  method: get
  operationId: listFundingSources
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{id}/transfers
  method: get
  operationId: listAndSearchTransfers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{id}/mass-payments
  method: get
  operationId: listMassPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers
  method: get
  operationId: listAndSearchCustomers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers
  method: post
  operationId: createCustomer
  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: /customers/{id}
  method: get
  operationId: getCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}
  method: post
  operationId: update
  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-classifications
  method: get
  operationId: listBusinessClassifications
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /business-classifications/{id}
  method: get
  operationId: retrieveBusinessClassification
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/beneficial-owners
  method: get
  operationId: listBeneficialOwnersForCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/beneficial-owners
  method: post
  operationId: createBeneficialOwnerForCustomer
  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: /beneficial-owners/{id}
  method: get
  operationId: retrieveBeneficialOwner
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /beneficial-owners/{id}
  method: post
  operationId: updateBeneficialOwner
  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: /beneficial-owners/{id}
  method: delete
  operationId: deleteBeneficialOwner
  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: /customers/{id}/beneficial-ownership
  method: get
  operationId: getBeneficialOwnershipStatusForCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/beneficial-ownership
  method: post
  operationId: certifyBeneficialOwnershipForCustomer
  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: /customers/{id}/documents
  method: get
  operationId: listCustomerDocuments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/documents
  method: post
  operationId: createCustomerDocument
  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: /beneficial-owners/{id}/documents
  method: get
  operationId: listBeneficialOwnerDocuments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /beneficial-owners/{id}/documents
  method: post
  operationId: createBeneficialOwnerDocument
  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: /documents/{id}
  method: get
  operationId: retrieveDocument
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/kba
  method: post
  operationId: initiateKbaForCustomer
  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: /kba/{id}
  method: get
  operationId: getKbaQuestions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /kba/{id}
  method: post
  operationId: verifyKbaQuestions
  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: /customers/{id}/funding-sources
  method: get
  operationId: listCustomerFundingSources
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/funding-sources
  method: post
  operationId: createCustomerFundingSource
  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: /funding-sources/{id}
  method: get
  operationId: getFundingSource
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources/{id}
  method: post
  operationId: updateOrRemoveFundingSource
  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: /funding-sources/{id}/micro-deposits
  method: get
  operationId: getMicroDeposits
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources/{id}/micro-deposits
  method: post
  operationId: initiateOrVerifyMicroDeposits
  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: /funding-sources/{id}/balance
  method: get
  operationId: getFundingSourceBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /funding-sources/{id}/ach-routing
  method: get
  operationId: getVanRouting
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /on-demand-authorizations
  method: post
  operationId: createOnDemandTransferAuthorization
  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: /transfers
  method: post
  operationId: initiateTransfer
  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: /transfers/{id}
  method: get
  operationId: getTransfer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /transfers/{id}
  method: post
  operationId: cancelTransfer
  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: /customers/{id}/transfers
  method: get
  operationId: listCustomerTransfers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /transfers/{id}/fees
  method: get
  operationId: listTransferFees
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /transfers/{id}/failure
  method: get
  operationId: getTransferFailureReason
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /mass-payments
  method: post
  operationId: initiateMassPayment
  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: /mass-payments/{id}
  method: get
  operationId: getMassPayment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /mass-payments/{id}
  method: post
  operationId: updateMassPayment
  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: /mass-payments/{id}/items
  method: get
  operationId: listMassPaymentItems
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /mass-payment-items/{itemId}
  method: get
  operationId: getMassPaymentItem
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/{id}/mass-payments
  method: get
  operationId: listCustomerMassPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit

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# Full source: https://raw.githubusercontent.com/api-evangelist/dwolla/refs/heads/main/agentic-access/dwolla-agentic-access.yml