Finix Agentic Access
Finix exposes 91 API operations that an AI agent could call, of which 39 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: 52 read, 29 write, and 10 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.
By consequence
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 | /apple_pay_sessions | physical | conditional |
| POST | /balance_transfers | physical | conditional |
| POST | /instrument_updates | physical | conditional |
| POST | /payment_instruments | physical | conditional |
| PUT | /payment_instruments/{payment_instrument_id} | physical | conditional |
| PUT | /payout_profiles/{payout_profile_id} | physical | conditional |
| DELETE | /settlements/{settlement_id}/transfers | physical | conditional |
| POST | /transfers | physical | conditional |
| PUT | /transfers/{transfer_id} | physical | conditional |
| POST | /transfers/{transfer_id}/reversals | physical | conditional |
Source
Agentic Access
generated: '2026-07-19'
method: generated
source: openapi/finix-openapi-original.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: 91
by_action_class:
acting: 39
connected: 52
by_consequence:
write: 29
read: 52
physical: 10
human_in_the_loop_required: 0
operations:
- path: /authorizations
method: post
operationId: createAuthorization
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: /authorizations
method: get
operationId: listAuthorizations
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /authorizations/{authorization_id}
method: get
operationId: getAuthorization
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /authorizations/{authorization_id}
method: put
operationId: captureAuthorization
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: /authorizations/{authorization_id_void_to}
method: put
operationId: voidAuthorization
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: /balance_transfers
method: post
operationId: createBalanceTransfer
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: /balance_transfers
method: get
operationId: listBalanceTransfers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /balance_transfers/{balance_transfers_id}
method: get
operationId: getBalanceTransfers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /devices/{device_id}
method: put
operationId: updateDevice
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: /devices/{device_id}
method: get
operationId: getDevice
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /devices/{device_id_connection}
method: get
operationId: getDeviceConnection
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /disputes
method: get
operationId: listDisputes
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /disputes/{dispute_id}
method: get
operationId: getDispute
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /disputes/{dispute_id}
method: put
operationId: updateDispute
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: /disputes/{dispute_id}/evidence
method: post
operationId: createDisputeEvidence
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: /disputes/{dispute_id}/evidence
method: get
operationId: listDisputeEvidence
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /disputes/{dispute_id}/evidence/{evidence_id}
method: get
operationId: getDisputeEvidence
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /disputes/{dispute_id}/evidence/{evidence_id}
method: put
operationId: updateDisputeEvidence
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: /fee_profiles
method: get
operationId: listFeeProfiles
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /fee_profiles
method: post
operationId: createFeeProfile
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: /fee_profiles/{fee_profile_id}
method: get
operationId: getFeeProfile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /identities
method: post
operationId: createIdentity
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: /identities
method: get
operationId: listIdentities
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /identities/{identity_id}
method: get
operationId: getIdentity
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /identities/{identity_id}
method: put
operationId: updateIdentity
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: /identities/{identity_id}/associated_identities
method: post
operationId: createAssociatedIdentity
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: /identities/{identity_id}/associated_identities
method: get
operationId: listIdentityAssociatedIdentities
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /identities/{identity_id}/merchants
method: post
operationId: createMerchant
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: /identities/{identity_id}/settlements
method: post
operationId: createIdentitySettlement
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: /merchant_profiles
method: get
operationId: listMerchantProfiles
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /merchants
method: get
operationId: listMerchants
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /merchants/{merchant_id}/devices
method: post
operationId: createMerchantDevice
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: /merchants/{merchant_id}
method: get
operationId: getMerchant
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /merchants/{merchant_id}
method: put
operationId: updateMerchant
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: /merchant_profiles/{merchant_profile_id}
method: get
operationId: getMerchantProfile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /merchant_profiles/{merchant_profile_id}
method: put
operationId: updateMerchantProfile
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: /merchants/{merchant_id}/verifications
method: get
operationId: listMerchantVerifications
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /merchants/{merchant_id}/verifications
method: post
operationId: createMerchantVerification
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: /payment_instruments
method: post
operationId: createPaymentInstrument
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: /payment_instruments
method: get
operationId: listPaymentInstruments
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /payment_instruments/{payment_instrument_id}
method: get
operationId: getPaymentInstrument
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /payment_instruments/{payment_instrument_id}
method: put
operationId: updatePaymentInstrument
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: /payment_instruments/{payment_instrument_id_verify}
method: get
operationId: listPaymentInstrumentVerifications
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /settlements
method: get
operationId: listSettlements
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /settlements/{settlement_id}
method: get
operationId: getSettlement
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /settlements/{settlement_id}
method: put
operationId: closesettlements
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: /settlements/{settlement_id}/funding_transfers
method: get
operationId: listSettlementFundingTransfers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /settlements/{settlement_id}/transfers
method: delete
operationId: removeSettlementTransfers
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: /settlements/{settlement_id}/transfers
method: get
operationId: listSettlementTransfers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /transfers
method: post
operationId: createTransfer
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: get
operationId: listTransfers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /transfers/{transfer_id}
method: get
operationId: getTransfer
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /transfers/{transfer_id}
method: put
operationId: updateTransfer
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/{transfer_id}/reversals
method: post
operationId: createTransferReversal
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/{transfer_id}/reversals
method: get
operationId: listTransferReversals
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /verifications
method: post
operationId: createVerification
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: /verifications
method: get
operationId: listVerifications
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /verifications/{verification_id}
method: get
operationId: getVerification
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /webhooks
method: post
operationId: createWebhook
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: /webhooks
method: get
operationId: listWebhooks
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /webhooks/{webhook_id}
method: get
operationId: getWebhook
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /webhooks/{webhook_id}
method: put
operationId: updateWebhook
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: /instrument_updates
method: post
operationId: createPaymentInstrumentUpdate
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: /instrument_updates/{instrument_updates_id}/download
method: get
operationId: downloadInstrumentUpdate
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /files
method: post
operationId: createFiles
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: /files
method: get
operationId: listFiles
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /files/{file_id}
method: get
operationId: getFile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /files/{file_id}/external_links
method: get
operationId: listExternalLinks
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /files/{file_id}/external_links
method: post
operationId: createExternalLink
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: /files/{file_id}/upload
method: post
operationId: uploadFile
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: /files/{file_id}/download
method: get
operationId: downloadFile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /files/{file_id}/external_links/{external_link_id}
method: get
operationId: getExternalLink
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /apple_pay_sessions
method: post
operationId: createApplePaySession
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: /disputes/{dispute_id}/adjustment_transfers
method: get
operationId: listDisputesAdjustments
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /instrument_updates/{instrument_updates_id}
method: get
operationId: getInstrumentUpdate
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /compliance_forms/{compliance_forms_id}
method: get
operationId: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /compliance_forms/{compliance_forms_id}
method: put
operationId: updateComplianceForms
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: /compliance_forms
method: get
operationId: listComplianceForms
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /onboarding_forms
method: post
operationId: createOnboardingForm
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_forms/{onboarding_form_id}
method: get
operationId: getOnboardingForm
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /onboarding_forms/{onboarding_form_id}/links
method: post
operationId: createOnboardingFormLink
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: /payout_profiles
method: get
operationId: listPayoutprofiles
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /payout_profiles/{payout_profile_id}
method: get
operationId: getPayoutprofile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /payout_profiles/{payout_profile_id}
method: put
operationId: updatePayoutProfileRequest
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: /merchants/{merchant_id}/payout_profile
method: get
operationId: fetchPayoutProfilesbyMerchant
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /disputes/{dispute_id}/submit
method: post
operationId: submitDisputeEvidence
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: /disputes/{dispute_id}/accept
method: post
operationId: acceptDispute
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: /disputes/{dispute_id}/evidence/{evidence_id}/download
method: get
operationId: downloadDisputeEvidence
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /split_transfers/{split_transfer_id}
method: get
operationId: getSplitTransfer
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /split_transfers/{split_transfer_id}/fees
method: get
operationId: getSplitTransferFees
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /split_transfers
method: get
operationId: listSplitTransfer
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
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.
Call it yourself
curl for this page
curl "https://apis.io/api/v1/search?q=finix-agentic-access&limit=10"
curl "https://apis.io/api/v1/tags/finix-agentic-access"
Discovery needs no key. Ratings and market analysis are Pro.