Fincra · Agentic Access

Fincra Agentic Access

x-agentic-access generated

Fincra exposes 23 API operations that an AI agent could call, of which 10 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: 13 read, 7 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.

PaymentsCross-BorderCollectionsPayoutsFXFintechAfrica
Operations: 23 Acting: 10 Human-in-the-loop: 0 Method: generated

By consequence

read 13 write 7 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.

MethodPathConsequenceHuman-in-loop
POST /checkout/charges physical conditional
POST /checkout/charges/authorize physical conditional
POST /disbursements/payouts physical conditional

Source

Agentic Access

Raw ↑ 
generated: '2026-07-15'
method: generated
source: openapi/fincra-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: 23
  by_action_class:
    acting: 10
    connected: 13
  by_consequence:
    physical: 3
    read: 13
    write: 7
  human_in_the_loop_required: 0
operations:
- path: /checkout/charges
  method: post
  operationId: initiateCharge
  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: /checkout/charges/authorize
  method: post
  operationId: authorizeCharge
  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: /checkout/charges/{reference}
  method: get
  operationId: getChargeByReference
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /checkout/charges/verify/{reference}
  method: get
  operationId: verifyCharge
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /disbursements/payouts
  method: post
  operationId: initiatePayout
  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: /disbursements/payouts
  method: get
  operationId: getAllPayouts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /disbursements/payouts/reference/{transactionReference}
  method: get
  operationId: verifyPayoutByReference
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /disbursements/payouts/customer-reference/{customerReference}
  method: get
  operationId: verifyPayoutByCustomerReference
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /quotes/generate
  method: post
  operationId: generateQuote
  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: /conversions/initiate
  method: post
  operationId: initiateConversion
  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: /conversions
  method: get
  operationId: listConversions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /conversions/{reference}
  method: get
  operationId: verifyConversion
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /profile/beneficiaries/business/{businessId}
  method: post
  operationId: createBeneficiary
  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: /profile/beneficiaries/business/{businessId}
  method: get
  operationId: listBeneficiaries
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /profile/beneficiaries/business/{businessId}/{beneficiaryId}
  method: get
  operationId: fetchBeneficiary
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /profile/beneficiaries/business/{businessId}/{beneficiaryId}
  method: patch
  operationId: updateBeneficiary
  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: /profile/beneficiaries/business/{businessId}/{beneficiaryId}
  method: delete
  operationId: deleteBeneficiary
  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: /profile/virtual-accounts/requests
  method: post
  operationId: requestVirtualAccount
  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: /profile/virtual-accounts/business
  method: get
  operationId: listVirtualAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /profile/virtual-accounts/{virtualAccountId}
  method: get
  operationId: fetchVirtualAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /profile/virtual-accounts/{virtualAccountId}/payins
  method: get
  operationId: listVirtualAccountPayins
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /core/banks
  method: get
  operationId: listBanks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /core/accounts/resolve
  method: post
  operationId: resolveAccount
  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