M-Pesa (Safaricom Daraja) · Agentic Access

M-Pesa (Safaricom Daraja) Agentic Access

x-agentic-access generated

M-Pesa (Safaricom Daraja) exposes 14 API operations that an AI agent could call, of which 9 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: 5 read and 9 write.

4 operations are classed safety-critical and should require human-in-the-loop approval at runtime.

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.

Mobile MoneyPaymentsFintechKenyaAfricaM-Pesa

Operations: 14 Acting: 9 Human-in-the-loop: 4 Method: generated

By consequence

read 5 write 9

Source

Agentic Access

generated: '2026-07-17'
method: generated
source: openapi/mpesa-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. Funds-movement operations (B2C, B2B, Reversal, Tax Remittance) move
  real money in KES and are marked human-in-the-loop required. See research/curity/agentic-governance/.
summary:
  operations: 14
  by_action_class:
    acting: 9
    connected: 5
  by_consequence:
    write: 9
    read: 5
  human_in_the_loop_required: 4
operations:
- path: /oauth/v1/generate
  method: get
  operationId: generateAccessToken
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3599
    audit: none
- path: /mpesa/stkpush/v1/processrequest
  method: post
  operationId: stkPush
  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: /mpesa/stkpushquery/v1/query
  method: post
  operationId: stkPushQuery
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 900
    audit: none
- path: /mpesa/c2b/v1/registerurl
  method: post
  operationId: c2bRegisterURL
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
    audit: required
- path: /mpesa/c2b/v1/simulate
  method: post
  operationId: c2bSimulate
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
    audit: required
- path: /mpesa/b2c/v3/paymentrequest
  method: post
  operationId: b2cPaymentRequest
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - funds-movement
      - high-value
    audit: required
- path: /mpesa/b2b/v1/paymentrequest
  method: post
  operationId: b2bPaymentRequest
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - funds-movement
      - high-value
    audit: required
- path: /v1/ussdpush/get-msisdn
  method: post
  operationId: b2bExpressCheckout
  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: /mpesa/transactionstatus/v1/query
  method: post
  operationId: transactionStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 900
    audit: none
- path: /mpesa/accountbalance/v1/query
  method: post
  operationId: accountBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 900
    audit: none
- path: /mpesa/reversal/v1/request
  method: post
  operationId: reversal
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - funds-movement
      - high-value
    audit: required
- path: /mpesa/qrcode/v1/generate
  method: post
  operationId: dynamicQR
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
    audit: required
- path: /mpesa/b2b/v1/remittax
  method: post
  operationId: taxRemittance
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - funds-movement
      - high-value
    audit: required
- path: /standingorder/v1/createStandingOrderExternal
  method: post
  operationId: createStandingOrder
  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