ModernFi · Agentic Access
ModernFi Agentic Access

x-agentic-access generated
ModernFi exposes 37 API operations that an AI agent could call, of which 19 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: 18 read, 17 write, and 2 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.
CompanyBankingDepositsFintechCredit UnionsFinancial ServicesDeposit NetworkTreasury
Operations: 37 Acting: 19 Human-in-the-loop: 0 Method: generated
By consequence

read 18 write 17 physical 2
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	/digital-banking/v1/depositors	physical	conditional
PATCH	/digital-banking/v1/depositors/{depositor_id}	physical	conditional
Source

Agentic Access

generated: '2026-07-20'
method: generated
source: openapi/modernfi-openapi-original.json
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: 37
  by_action_class:
    connected: 18
    acting: 19
  by_consequence:
    read: 18
    write: 17
    physical: 2
  human_in_the_loop_required: 0
operations:
- path: /digital-banking/v1/accounts
  method: get
  operationId: list
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts
  method: post
  operationId: create
  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: /digital-banking/v1/accounts/{account_id}
  method: get
  operationId: get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts/{account_id}
  method: delete
  operationId: close
  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: /digital-banking/v1/accounts/{account_id}
  method: patch
  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: /digital-banking/v1/accounts/{account_id}/allocation
  method: get
  operationId: getAllocation
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts/{account_id}/signer-primary-tin
  method: get
  operationId: getSignerPrimaryTin
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts/{account_id}/beneficiary-tin
  method: get
  operationId: getBeneficiaryTin
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/custom-benchmarks
  method: get
  operationId: list
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/custom-benchmarks
  method: post
  operationId: create
  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: /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}
  method: get
  operationId: get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}
  method: put
  operationId: update_rate
  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: /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}
  method: delete
  operationId: delete
  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: /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}
  method: patch
  operationId: patch
  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: /digital-banking/v1/depositors
  method: get
  operationId: list
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/depositors
  method: post
  operationId: create
  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: /digital-banking/v1/depositors/{depositor_id}
  method: get
  operationId: get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/depositors/{depositor_id}
  method: patch
  operationId: update_depositor_digital_banking_v1_depositors__depositor_id__patch
  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: /digital-banking/v1/depositors/{depositor_id}/tin
  method: get
  operationId: getTin
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/files/statements
  method: get
  operationId: get_statements_digital_banking_v1_files_statements_get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/files/account-monthly-statement-config
  method: get
  operationId: get_account_monthly_statement_config_digital_banking_v1_files_account_monthly_statement_config_get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/files/account-monthly-statement-config
  method: post
  operationId: post_account_monthly_statement_config_digital_banking_v1_files_account_monthly_statement_config_post
  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: /digital-banking/v1/files/preview-account-monthly-statement
  method: get
  operationId: get_preview_account_monthly_statement_digital_banking_v1_files_preview_account_monthly_statement_get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/files/{file_id}
  method: get
  operationId: get_file_digital_banking_v1_files__file_id__get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts/{account_id}/transactions
  method: get
  operationId: list
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts/{account_id}/transactions
  method: post
  operationId: create
  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: /digital-banking/v1/accounts/{account_id}/transactions/{transaction_id}
  method: get
  operationId: get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/accounts/{account_id}/transactions/{transaction_id}
  method: patch
  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: /digital-banking/v1/pricing-groups
  method: get
  operationId: list
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/pricing-groups
  method: post
  operationId: create
  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: /digital-banking/v1/pricing-groups/{pricing_group_id}
  method: get
  operationId: get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /digital-banking/v1/pricing-groups/{pricing_group_id}
  method: delete
  operationId: delete
  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: /digital-banking/v1/pricing-groups/{pricing_group_id}
  method: patch
  operationId: updateMetadata
  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: /digital-banking/v1/pricing-groups/{pricing_group_id}/rates
  method: put
  operationId: updateRates
  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: /digital-banking/v1/pricing-groups/{pricing_group_id}/accounts
  method: post
  operationId: assignAccounts
  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: /digital-banking/v1/pricing-groups/{pricing_group_id}/accounts
  method: delete
  operationId: unassignAccounts
  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/token
  method: post
  operationId: getToken
  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