OPay · Agentic Access

OPay Agentic Access

x-agentic-access generated

OPay exposes 5 API operations that an AI agent could call, of which 5 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 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.

PaymentsMobile MoneyFintechSuper AppNigeriaAfricaWalletSavingsBNPLBank TransferCard PaymentsUSSDAgent BankingPOSBill PaymentsAirtimeCashierCheckoutMerchant Acquiring

Operations: 5 Acting: 5 Human-in-the-loop: 0 Method: generated

By consequence

physical 5

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	/cashier/create	physical	conditional
POST	/cashier/status	physical	conditional
POST	/payment/create	physical	conditional
POST	/payment/refund	physical	conditional
POST	/payment/refund/status	physical	conditional

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/opay-cashier-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: 5
  by_action_class:
    acting: 5
  by_consequence:
    physical: 5
  human_in_the_loop_required: 0
operations:
- path: /cashier/create
  method: post
  operationId: createCashierPayment
  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: /cashier/status
  method: post
  operationId: queryPaymentStatus
  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: /payment/create
  method: post
  operationId: createPayment
  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: /payment/refund
  method: post
  operationId: refundPayment
  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: /payment/refund/status
  method: post
  operationId: queryRefundStatus
  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