Moniepoint · Agentic Access

Moniepoint Agentic Access

x-agentic-access generated

Moniepoint exposes 63 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: 30 read, 15 write, and 18 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.

AfricaNigeriaPaymentsBankingFintechAcquiringPoint-of-SaleCollectionDisbursementsVirtual AccountsDirect DebitBills PaymentSMBWorking CapitalUnicorn
Operations: 63 Acting: 33 Human-in-the-loop: 0 Method: generated

By consequence

read 30 write 15 physical 18

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 /api/v1/bank-transfer/reserved-accounts/limit physical conditional
PUT /api/v1/bank-transfer/reserved-accounts/limit physical conditional
POST /api/v1/bill-payment/customer-validate physical conditional
POST /api/v1/bill-payment/process-bill physical conditional
POST /api/v1/invoice/create physical conditional
DELETE /api/v1/invoice/{invoiceReference}/cancel physical conditional
POST /api/v1/merchant/bank-transfer/init-payment physical conditional
POST /api/v1/merchant/cards/charge physical conditional
POST /api/v1/merchant/cards/charge-card-token physical conditional
POST /api/v1/push-payment/request physical conditional
POST /api/v1/refunds/initiate-refund physical conditional
POST /api/v2/bank-transfer/reserved-accounts physical conditional
PUT /api/v2/bank-transfer/reserved-accounts physical conditional
DELETE /api/v2/bank-transfer/reserved-accounts/{accountReference} physical conditional
POST /api/v2/disbursements/bulk physical conditional
POST /api/v2/disbursements/single physical conditional
POST /api/v2/disbursements/single/resend-otp physical conditional
POST /api/v2/disbursements/single/validate-otp physical conditional

Source

Agentic Access

Raw ↑ 
generated: '2026-07-15'
method: generated
source: openapi/moniepoint-pos-api-openapi.yml, openapi/monnify-authentication-api-openapi.yml,
  openapi/monnify-bills-payment-api-openapi.yml, openapi/monnify-collections-api-openapi.yml,
  openapi/monnify-direct-debit-api-openapi.yml, openapi/monnify-disbursements-api-openapi.yml,
  openapi/monnify-invoices-api-openapi.yml, openapi/monnify-refunds-api-openapi.yml, openapi/monnify-reserved-accounts-api-openapi.yml,
  openapi/monnify-settlements-api-openapi.yml, openapi/monnify-sub-accounts-api-openapi.yml,
  openapi/monnify-verification-api-openapi.yml, openapi/monnify-wallets-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: 63
  by_action_class:
    acting: 33
    connected: 30
  by_consequence:
    physical: 18
    read: 30
    write: 15
  human_in_the_loop_required: 0
operations:
- path: /api/v1/push-payment/request
  method: post
  operationId: pushPaymentRequest
  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: /api/v1/push-payment/status/{reference}
  method: get
  operationId: pushPaymentStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/auth/login
  method: post
  operationId: monnifyLogin
  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: /api/v1/bill-payment/categories
  method: get
  operationId: listBillCategories
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/bill-payment/billers
  method: get
  operationId: listBillers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/bill-payment/biller-items
  method: get
  operationId: listBillerItems
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/bill-payment/customer-validate
  method: post
  operationId: validateBillsCustomer
  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: /api/v1/bill-payment/process-bill
  method: post
  operationId: processBill
  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: /api/v1/bill-payment/status
  method: get
  operationId: getBillStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/merchant/transactions/init-transaction
  method: post
  operationId: initializeTransaction
  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: /api/v1/merchant/bank-transfer/init-payment
  method: post
  operationId: payWithBankTransfer
  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: /api/v1/merchant/cards/charge
  method: post
  operationId: chargeCard
  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: /api/v1/merchant/cards/otp/authorize
  method: post
  operationId: authorizeOtp
  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: /api/v1/merchant/cards/charge-card-token
  method: post
  operationId: chargeCardToken
  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: /api/v2/merchant/transactions/query
  method: get
  operationId: getTransactionStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/transactions/search
  method: get
  operationId: searchTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/direct-debit/mandate
  method: post
  operationId: createMandate
  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: /api/v1/direct-debit/mandate/{mandateCode}
  method: get
  operationId: getMandate
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/direct-debit/mandate/{mandateCode}
  method: delete
  operationId: cancelMandate
  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: /api/v1/direct-debit/mandate/activation
  method: post
  operationId: activateMandate
  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: /api/v1/direct-debit/mandate/debit
  method: post
  operationId: debitMandate
  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: /api/v2/disbursements/single
  method: post
  operationId: initiateSingleTransfer
  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: /api/v2/disbursements/single/validate-otp
  method: post
  operationId: authorizeSingleTransferOtp
  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: /api/v2/disbursements/single/resend-otp
  method: post
  operationId: resendTransferOtp
  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: /api/v2/disbursements/single/summary
  method: get
  operationId: getSingleTransferStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v2/disbursements/single/transactions
  method: get
  operationId: listSingleTransfers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v2/disbursements/bulk
  method: post
  operationId: initiateBulkTransfer
  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: /api/v2/disbursements/bulk/summary
  method: get
  operationId: getBulkTransferSummary
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v2/disbursements/bulk/{batchReference}/transactions
  method: get
  operationId: listBulkTransferItems
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v2/disbursements/wallet-balance
  method: get
  operationId: getWalletBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/sdk/transactions/banks
  method: get
  operationId: listBanks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/disbursements/account/validate
  method: get
  operationId: validateBankAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/invoice/create
  method: post
  operationId: createInvoice
  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: /api/v1/invoice/{invoiceReference}/details
  method: get
  operationId: getInvoice
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/invoice/all
  method: get
  operationId: listInvoices
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/invoice/{invoiceReference}/cancel
  method: delete
  operationId: cancelInvoice
  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: /api/v1/refunds/initiate-refund
  method: post
  operationId: initiateRefund
  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: /api/v1/refunds
  method: get
  operationId: listRefunds
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/refunds/{refundReference}
  method: get
  operationId: getRefundStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v2/bank-transfer/reserved-accounts
  method: post
  operationId: reserveAccountV2
  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: /api/v2/bank-transfer/reserved-accounts
  method: put
  operationId: updateReservedAccountKyc
  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: /api/v2/bank-transfer/reserved-accounts/{accountReference}
  method: get
  operationId: getReservedAccountV2
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v2/bank-transfer/reserved-accounts/{accountReference}
  method: delete
  operationId: deallocateReservedAccount
  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: /api/v1/bank-transfer/reserved-accounts/transactions
  method: get
  operationId: listReservedAccountTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/bank-transfer/reserved-accounts/limit
  method: post
  operationId: reserveAccountWithLimit
  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: /api/v1/bank-transfer/reserved-accounts/limit
  method: put
  operationId: updateReservedAccountLimit
  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: /api/v1/limit-profiles
  method: post
  operationId: createLimitProfile
  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: /api/v1/limit-profiles
  method: get
  operationId: listLimitProfiles
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/limit-profiles
  method: put
  operationId: updateLimitProfile
  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: /api/v1/transactions/find-by-settlement-reference
  method: get
  operationId: findTransactionsBySettlement
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/settlements
  method: get
  operationId: listSettlements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/sub-accounts
  method: post
  operationId: createSubAccounts
  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: /api/v1/sub-accounts
  method: put
  operationId: updateSubAccount
  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: /api/v1/sub-accounts
  method: get
  operationId: listSubAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/sub-accounts/{subAccountCode}
  method: delete
  operationId: deleteSubAccount
  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: /api/v1/disbursements/account/validate
  method: get
  operationId: validateAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/vas/bvn-account-match
  method: post
  operationId: matchBvnToAccount
  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: /api/v1/vas/bvn-details/{bvn}
  method: get
  operationId: getBvnDetails
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/vas/verify-nin
  method: post
  operationId: verifyNin
  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: /api/v1/disbursements/wallet
  method: post
  operationId: createWallet
  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: /api/v1/disbursements/wallet
  method: get
  operationId: listWallets
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/disbursements/wallet-balance
  method: get
  operationId: getWalletBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /api/v1/disbursements/wallet/transactions
  method: get
  operationId: listWalletTransactions
  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.
All 92 tools →

Call it yourself

curl for this page
Search the catalog 
curl "https://apis.io/api/v1/search?q=moniepoint-agentic-access&limit=10"
Everything under a tag 
curl "https://apis.io/api/v1/tags/moniepoint-agentic-access"

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