Nacha · Agentic Access

Nacha Agentic Access

x-agentic-access generated

Nacha exposes 30 API operations that an AI agent could call, of which 25 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, 11 write, and 14 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.

PaymentsUnited StatesACHAccount-to-AccountReal-Time PaymentsAccount ValidationPayment RailsISO 20022StandardsAfinis

Operations: 30 Acting: 25 Human-in-the-loop: 0 Method: generated

By consequence

read 5 write 11 physical 14

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	/accounts/validate/achPaymentCreditAcceptance	physical	conditional
POST	/accounts/validate/achPaymentDebitAcceptance	physical	conditional
POST	/fi/instant	physical	conditional
POST	/iar	physical	conditional
POST	/iarplus	physical	conditional
POST	/initiate	physical	conditional
POST	/instant	physical	conditional
POST	/payments/ach/credit	physical	conditional
POST	/payments/ach/credit/status	physical	conditional
POST	/payments/ach/debit	physical	conditional
POST	/payments/ach/debit/status	physical	conditional
POST	/ret	physical	conditional
POST	/wire	physical	conditional
POST	/wirestatus	physical	conditional

Source

Agentic Access

generated: '2026-07-24'
method: generated
source: openapi/nacha-account-validation-plus-name-ret.json, openapi/nacha-account-validation-plus-name.json,
  openapi/nacha-account-validation.json, openapi/nacha-authorize-to-pay.json, openapi/nacha-bank-contact-v2.json,
  openapi/nacha-bank-contacts.json, openapi/nacha-corporate-account-balances.json, openapi/nacha-corporate-transaction-detail.json,
  openapi/nacha-corporate-transaction-history.json, openapi/nacha-get-wire-status.json, openapi/nacha-iar-plus.json,
  openapi/nacha-iar.json, openapi/nacha-initiate-instant-payment.json, openapi/nacha-initiate-payment-api.json,
  openapi/nacha-initiate-payment.json, openapi/nacha-initiate-wire-payment.json, openapi/nacha-instant-payment-transfer.json,
  openapi/nacha-pay-me.json, openapi/nacha-payee-profile.json, openapi/nacha-proof-of-authorization.json,
  openapi/nacha-realtime-billing-account-validation.json, openapi/nacha-ret.json, openapi/nacha-transaction-status.json,
  openapi/nacha-wsud.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: 30
  by_action_class:
    acting: 25
    connected: 5
  by_consequence:
    write: 11
    physical: 14
    read: 5
  human_in_the_loop_required: 0
operations:
- path: /validatewithnameandret
  method: post
  operationId: validateAccountWithNameAndRET
  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: /validate
  method: post
  operationId: validateAccount
  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: /accounts/validate/achPaymentDebitAcceptance
  method: post
  operationId: validateDebtorAccount
  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: /accounts/validate/achPaymentCreditAcceptance
  method: post
  operationId: validateCreditorAccount
  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: /debitauthorizations
  method: post
  operationId: Authorize to Pay - Request
  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: /banks/contact
  method: post
  operationId: Expand Bank Contact V2 - Input
  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: /banks/contact
  method: get
  operationId: Expand Bank Contact V2 - Get
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /banks/{bank_id}/contact
  method: get
  operationId: findByBankIdAndReason
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /balance
  method: post
  operationId: Get Corporate Account Balances
  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: /transactions/detail
  method: post
  operationId: Get Transaction Detail
  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: /transactions/history
  method: post
  operationId: Get Corporate Transaction History
  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: /wirestatus
  method: post
  operationId: Wire Status
  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: /iarplus
  method: post
  operationId: International ACH Remittance
  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: /iar
  method: post
  operationId: International ACH Remittance
  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: /instant
  method: post
  operationId: Initiate Instant Payment
  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: /initiate
  method: post
  operationId: Initiate Payment
  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: /payments/ach/debit
  method: post
  operationId: ACH Payments Debit
  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: /payments/ach/credit
  method: post
  operationId: ACH Payments Credit
  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: /wire
  method: post
  operationId: Initiate Wire Transfer
  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: /fi/instant
  method: post
  operationId: Instant Payment Transfer
  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: /accounts/payers/bill
  method: post
  operationId: Route Billing Information
  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: /profile
  method: get
  operationId: Get Participants Profile
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /documents/proofofauth
  method: post
  operationId: Proof of Authorization - Request
  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: /accounts/payers
  method: post
  operationId: Real Time Billing Account Validation
  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: /ret
  method: post
  operationId: Reporting ACH Return Payments
  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: /payments/ach/status/transactionId/{transactionIdentification}
  method: get
  operationId: GetTransactionStatusByTransactionId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payments/ach/status/instructionId/{instructionIdentification}
  method: get
  operationId: GetTransactionStatusByInstructionId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /payments/ach/credit/status
  method: post
  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: /payments/ach/debit/status
  method: post
  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: /transactions/WSUD
  method: post
  operationId: Written Statement of Unauthorized Debit - Request
  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

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