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.

AfricaNigeriaPaymentsBankingFintechAcquiringPOSCollectionsDisbursementsVirtual 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