Efí · Agentic Access

Efí Agentic Access

x-agentic-access generated

Efí exposes 34 API operations that an AI agent could call, of which 22 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, 9 write, and 13 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.

PaymentsPixBoletoBankingBrazilLatin AmericaChargesDigital AccountFinancial InfrastructureFintech

Operations: 34 Acting: 22 Human-in-the-loop: 0 Method: generated

By consequence

read 12 write 9 physical 13

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/charge	physical	conditional
POST	/v1/charge/one-step	physical	conditional
PUT	/v1/charge/{id}/billet	physical	conditional
PUT	/v1/charge/{id}/cancel	physical	conditional
POST	/v1/charge/{id}/pay	physical	conditional
PUT	/v1/charge/{id}/settle	physical	conditional
POST	/v1/open-finance/payments/pix	physical	conditional
POST	/v2/cob	physical	conditional
PUT	/v2/cob/{txid}	physical	conditional
PATCH	/v2/cob/{txid}	physical	conditional
PUT	/v2/cobv/{txid}	physical	conditional
POST	/v2/loc	physical	conditional
PUT	/v2/pix/{e2eid}/devolucao/{id}	physical	conditional

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/efi-bank-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: 34
  by_action_class:
    acting: 22
    connected: 12
  by_consequence:
    write: 9
    physical: 13
    read: 12
  human_in_the_loop_required: 0
operations:
- path: /oauth/token
  method: post
  operationId: pixAuthorize
  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: /v2/cob
  method: post
  operationId: createImmediateCharge
  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: /v2/cob
  method: get
  operationId: listImmediateCharges
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/cob/{txid}
  method: put
  operationId: createImmediateChargeWithTxid
  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: /v2/cob/{txid}
  method: patch
  operationId: reviseImmediateCharge
  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: /v2/cob/{txid}
  method: get
  operationId: getImmediateCharge
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/cobv/{txid}
  method: put
  operationId: createDatedCharge
  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: /v2/cobv/{txid}
  method: get
  operationId: getDatedCharge
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/loc
  method: post
  operationId: createLocation
  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: /v2/pix
  method: get
  operationId: listReceivedPix
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/pix/{e2eid}
  method: get
  operationId: getReceivedPix
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/pix/{e2eid}/devolucao/{id}
  method: put
  operationId: requestRefund
  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: /v2/pix/{e2eid}/devolucao/{id}
  method: get
  operationId: getRefund
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/webhook/{chave}
  method: put
  operationId: configureWebhook
  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: /v2/webhook/{chave}
  method: get
  operationId: getWebhook
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/webhook/{chave}
  method: delete
  operationId: deleteWebhook
  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: /v2/webhook
  method: get
  operationId: listWebhooks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/authorize
  method: post
  operationId: cobrancasAuthorize
  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: /v1/charge
  method: post
  operationId: createCharge
  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: /v1/charge/one-step
  method: post
  operationId: createChargeOneStep
  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: /v1/charges
  method: get
  operationId: listCharges
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/charge/{id}
  method: get
  operationId: getCharge
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/charge/{id}/pay
  method: post
  operationId: payCharge
  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: /v1/charge/{id}/billet
  method: put
  operationId: updateChargeBilletDueDate
  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: /v1/charge/{id}/cancel
  method: put
  operationId: cancelCharge
  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: /v1/charge/{id}/settle
  method: put
  operationId: settleCharge
  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: /v1/carnet
  method: post
  operationId: createCarnet
  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: /v1/carnet/{id}
  method: get
  operationId: getCarnet
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/carnet/{id}/parcel/{parcel}
  method: put
  operationId: updateCarnetParcelDueDate
  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: /v1/carnet/{id}/cancel
  method: put
  operationId: cancelCarnet
  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: /v1/carnet/{id}/settle
  method: put
  operationId: settleCarnet
  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: /v1/oauth/token
  method: post
  operationId: openFinanceAuthorize
  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: /v1/open-finance/participants
  method: get
  operationId: listOpenFinanceParticipants
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/open-finance/payments/pix
  method: post
  operationId: initiateOpenFinancePix
  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