Fintecture · Agentic Access
Fintecture Agentic Access

x-agentic-access generated
Fintecture exposes 69 API operations that an AI agent could call, of which 33 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, 26 write, and 7 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.
Open BankingPaymentsPSD2FranceAccount InformationPayment InitiationInstant PaymentsSEPASmart TransferRequest To PayBuy Now Pay LaterE-MandatesAccount-to-AccountKYC
Operations: 69 Acting: 33 Human-in-the-loop: 0 Method: generated
By consequence

read 36 write 26 physical 7
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	/pis/v2/connect	physical	conditional
PATCH	/pis/v2/payments/{payment_id}	physical	conditional
POST	/pis/v2/refund	physical	conditional
POST	/pis/v2/request-for-payout	physical	conditional
POST	/v1/memberships	physical	conditional
PATCH	/v1/memberships/{membership_id}	physical	conditional
DELETE	/v1/memberships/{membership_id}	physical	conditional
Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/fintecture-ais-api-openapi.yml, openapi/fintecture-customers-api-openapi.yml,
  openapi/fintecture-emandates-api-openapi.yml, openapi/fintecture-oac-api-openapi.yml, openapi/fintecture-oauth-api-openapi.yml,
  openapi/fintecture-pis-api-openapi.yml, openapi/fintecture-resources-api-openapi.yml, openapi/fintecture-transactions-api-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: 69
  by_action_class:
    connected: 36
    acting: 33
  by_consequence:
    read: 36
    write: 26
    physical: 7
  human_in_the_loop_required: 0
operations:
- path: /ais/v1/provider/{provider_id}/authorize
  method: get
  operationId: getAisV1ProviderAuthorization
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v1/provider/{provider_id}/authorize/decoupled
  method: get
  operationId: getAisV1ProviderAuthorizationDecoupled
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v2/connect
  method: get
  operationId: getAisV2Connect
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v1/customer/{customer_id}
  method: delete
  operationId: deleteAisV1Customer
  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: /ais/v1/customer/{customer_id}/accounts
  method: get
  operationId: getAisV1CustomerAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v1/customer/{customer_id}/account/{account_id}
  method: get
  operationId: getAisV1CustomerAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v1/customer/{customer_id}/account/{account_id}/holders
  method: get
  operationId: getAisV1CustomerAccountHolders
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v1/customer/{customer_id}/account/{account_id}/transactions
  method: get
  operationId: getAisV1CustomerAccountTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /ais/v1/verification
  method: post
  operationId: createAisV1Verification
  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/customers
  method: get
  operationId: listAllCustomers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/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: /v1/customers/{customer_id}
  method: get
  operationId: getCustomerById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customers/{customer_id}/bank-accounts
  method: get
  operationId: listAllCustomerBankAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customers/{customer_id}/bank-accounts
  method: post
  operationId: createCustomerBankAccount
  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/customers/{customer_id}/bank-accounts/{account_id}
  method: get
  operationId: getBankAccountById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customers/{customer_id}/verification
  method: post
  operationId: initiateCustomerVerification
  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/customers/{customer_id}/verifications
  method: get
  operationId: listAllCustomerVerifications
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/customers/{customer_id}/verification/{verification_id}
  method: get
  operationId: getCustomerVerificationById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/e-mandates
  method: get
  operationId: listAllEmandates
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/e-mandates
  method: post
  operationId: createEmandate
  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/e-mandates/{mandate_id}
  method: get
  operationId: getEmandateById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/e-mandates/{mandate_id}
  method: patch
  operationId: patchEmandateById
  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/applications
  method: get
  operationId: getApplications
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/applications
  method: post
  operationId: postApplications
  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/applications/current
  method: get
  operationId: getResV1Applications
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/applications/{app_id}
  method: get
  operationId: getApplicationById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/applications/{app_id}
  method: patch
  operationId: patchApplicationById
  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/applications/{app_id}
  method: delete
  operationId: deleteApplicationById
  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/bank-accounts
  method: get
  operationId: getBankAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/bank-accounts
  method: post
  operationId: postBankAccounts
  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/bank-accounts/{bank_account_id}
  method: patch
  operationId: patchBankAccountById
  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/bank-accounts/{bank_account_id}
  method: delete
  operationId: deleteBankAccountById
  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/companies
  method: get
  operationId: getCompanies
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/companies
  method: post
  operationId: postCompanies
  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/companies/{company_id}
  method: get
  operationId: getCompanyById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/companies/{company_id}
  method: patch
  operationId: patchCompanyById
  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/companies/{company_id}
  method: delete
  operationId: deleteCompanyById
  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/organisation-nodes
  method: post
  operationId: postOrganisationNodes
  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/organisation-nodes/{organisation_node_id}
  method: get
  operationId: getOrganisationNodeById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/organisation-nodes/{organisation_node_id}
  method: patch
  operationId: patchOrganisationNodeById
  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/organisation-nodes/{organisation_node_id}
  method: delete
  operationId: deleteOrganisationNodeById
  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/organisation-nodes/{organisation_node_id}/tree
  method: get
  operationId: getOrganisationNodeTree
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/organisation-nodes/{organisation_node_id}/companies
  method: get
  operationId: getOrganisationNodeCompanies
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/memberships
  method: post
  operationId: postMemberships
  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/memberships/{membership_id}
  method: patch
  operationId: patchMembershipById
  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/memberships/{membership_id}
  method: delete
  operationId: deleteMembershipById
  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/users
  method: post
  operationId: postUsers
  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/users/{user_id}
  method: get
  operationId: getUserById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/users/{user_id}
  method: patch
  operationId: patchUserById
  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/users/{user_id}
  method: delete
  operationId: deleteUserById
  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: /oauth/accesstoken
  method: post
  operationId: createAccessToken
  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: /oauth/refreshtoken
  method: post
  operationId: createRefreshToken
  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: /pis/v2/connect
  method: post
  operationId: createPisV2Connect
  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: /pis/v2/payments
  method: get
  operationId: getPisV2Payments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /pis/v2/payments/{payment_id}
  method: get
  operationId: getPaymentSession
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /pis/v2/payments/{payment_id}
  method: patch
  operationId: patchPisV2PaymentSession
  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: /pis/v2/payments/{payment_id}/refunds
  method: get
  operationId: getPisV2PaymentRefunds
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /pis/v2/refund
  method: post
  operationId: createPisV2Refund
  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: /pis/v2/request-to-pay
  method: post
  operationId: createPisV2RequestToPay
  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: /pis/v2/request-for-payout
  method: post
  operationId: createPisV2RequestForPayout
  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: /pis/v2/settlements
  method: get
  operationId: getPisV2Settlements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /pis/v2/settlements/{settlement_id}
  method: get
  operationId: getSettlementById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /res/v1/providers
  method: get
  operationId: getResV1Providers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /res/v1/providers/{provider_id}
  method: get
  operationId: getResV1Provider
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /res/v1/test-accounts
  method: get
  operationId: getResV1TestAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /res/v1/test-accounts/{account_id}
  method: get
  operationId: getResV1TestAccountById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/transactions
  method: get
  operationId: listAllTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/transactions/{transaction_id}
  method: get
  operationId: getTransactionById
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/transactions/simulate
  method: post
  operationId: simulateTransactionEvent
  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