Paragon Bank Agentic Access
Paragon Bank exposes 86 API operations that an AI agent could call, of which 20 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: 66 read, 5 write, and 15 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.
By consequence
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 | /domestic-payment-consents | physical | conditional |
| POST | /domestic-payments | physical | conditional |
| POST | /domestic-scheduled-payment-consents | physical | conditional |
| POST | /domestic-scheduled-payments | physical | conditional |
| POST | /domestic-standing-order-consents | physical | conditional |
| POST | /domestic-standing-orders | physical | conditional |
| POST | /file-payment-consents | physical | conditional |
| POST | /file-payment-consents/{ConsentId}/file | physical | conditional |
| POST | /file-payments | physical | conditional |
| POST | /international-payment-consents | physical | conditional |
| POST | /international-payments | physical | conditional |
| POST | /international-scheduled-payment-consents | physical | conditional |
| POST | /international-scheduled-payments | physical | conditional |
| POST | /international-standing-order-consents | physical | conditional |
| POST | /international-standing-orders | physical | conditional |
Source
Agentic Access
generated: '2026-07-23'
method: generated
source: openapi/obie-account-info-standard.yaml, openapi/obie-confirmation-funds-standard.yaml,
openapi/obie-opendata-standard.json, openapi/obie-payment-initiation-standard.yaml
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: 86
by_action_class:
acting: 20
connected: 66
by_consequence:
write: 5
read: 66
physical: 15
human_in_the_loop_required: 0
operations:
- path: /account-access-consents
method: post
operationId: CreateAccountAccessConsents
x-agentic-access:
action-class: acting
consequence: write
subject: required
scope:
- accounts
audience: null
token:
max-ttl: 900
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /account-access-consents/{ConsentId}
method: get
operationId: GetAccountAccessConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /account-access-consents/{ConsentId}
method: delete
operationId: DeleteAccountAccessConsentsConsentId
x-agentic-access:
action-class: acting
consequence: write
subject: required
scope:
- accounts
audience: null
token:
max-ttl: 900
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /accounts
method: get
operationId: GetAccounts
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}
method: get
operationId: GetAccountsAccountId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/balances
method: get
operationId: GetAccountsAccountIdBalances
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/beneficiaries
method: get
operationId: GetAccountsAccountIdBeneficiaries
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/direct-debits
method: get
operationId: GetAccountsAccountIdDirectDebits
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/offers
method: get
operationId: GetAccountsAccountIdOffers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/parties
method: get
operationId: GetAccountsAccountIdParties
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/party
method: get
operationId: GetAccountsAccountIdParty
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/product
method: get
operationId: GetAccountsAccountIdProduct
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/scheduled-payments
method: get
operationId: GetAccountsAccountIdScheduledPayments
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/standing-orders
method: get
operationId: GetAccountsAccountIdStandingOrders
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/statements
method: get
operationId: GetAccountsAccountIdStatements
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/statements/{StatementId}
method: get
operationId: GetAccountsAccountIdStatementsStatementId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/statements/{StatementId}/file
method: get
operationId: GetAccountsAccountIdStatementsStatementIdFile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/statements/{StatementId}/transactions
method: get
operationId: GetAccountsAccountIdStatementsStatementIdTransactions
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /accounts/{AccountId}/transactions
method: get
operationId: GetAccountsAccountIdTransactions
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /balances
method: get
operationId: GetBalances
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /beneficiaries
method: get
operationId: GetBeneficiaries
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /direct-debits
method: get
operationId: GetDirectDebits
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /offers
method: get
operationId: GetOffers
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /party
method: get
operationId: GetParty
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /products
method: get
operationId: GetProducts
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /scheduled-payments
method: get
operationId: GetScheduledPayments
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /standing-orders
method: get
operationId: GetStandingOrders
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /statements
method: get
operationId: GetStatements
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /transactions
method: get
operationId: GetTransactions
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- accounts
token:
max-ttl: 3600
audit: none
- path: /funds-confirmation-consents
method: post
operationId: CreateFundsConfirmationConsents
x-agentic-access:
action-class: acting
consequence: write
subject: required
scope:
- fundsconfirmations
audience: null
token:
max-ttl: 900
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /funds-confirmation-consents/{ConsentId}
method: get
operationId: GetFundsConfirmationConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- fundsconfirmations
token:
max-ttl: 3600
audit: none
- path: /funds-confirmation-consents/{ConsentId}
method: delete
operationId: DeleteFundsConfirmationConsentsConsentId
x-agentic-access:
action-class: acting
consequence: write
subject: required
scope:
- fundsconfirmations
audience: null
token:
max-ttl: 900
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /funds-confirmations
method: post
operationId: CreateFundsConfirmations
x-agentic-access:
action-class: acting
consequence: write
subject: required
scope:
- fundsconfirmations
audience: null
token:
max-ttl: 900
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /branches
method: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /branches
method: head
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /atms
method: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /atms
method: head
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /personal-current-accounts
method: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /personal-current-accounts
method: head
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /business-current-accounts
method: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /business-current-accounts
method: head
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /unsecured-sme-loans
method: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /unsecured-sme-loans
method: head
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /commercial-credit-cards
method: get
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /commercial-credit-cards
method: head
x-agentic-access:
action-class: connected
consequence: read
subject: optional
token:
max-ttl: 3600
audit: none
- path: /domestic-payment-consents
method: post
operationId: CreateDomesticPaymentConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /domestic-payment-consents/{ConsentId}
method: get
operationId: GetDomesticPaymentConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-payment-consents/{ConsentId}/funds-confirmation
method: get
operationId: GetDomesticPaymentConsentsConsentIdFundsConfirmation
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-payments
method: post
operationId: CreateDomesticPayments
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /domestic-payments/{DomesticPaymentId}
method: get
operationId: GetDomesticPaymentsDomesticPaymentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-payments/{DomesticPaymentId}/payment-details
method: get
operationId: GetDomesticPaymentsDomesticPaymentIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-scheduled-payment-consents
method: post
operationId: CreateDomesticScheduledPaymentConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /domestic-scheduled-payment-consents/{ConsentId}
method: get
operationId: GetDomesticScheduledPaymentConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-scheduled-payments
method: post
operationId: CreateDomesticScheduledPayments
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /domestic-scheduled-payments/{DomesticScheduledPaymentId}
method: get
operationId: GetDomesticScheduledPaymentsDomesticScheduledPaymentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-scheduled-payments/{DomesticScheduledPaymentId}/payment-details
method: get
operationId: GetDomesticScheduledPaymentsDomesticScheduledPaymentIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-standing-order-consents
method: post
operationId: CreateDomesticStandingOrderConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /domestic-standing-order-consents/{ConsentId}
method: get
operationId: GetDomesticStandingOrderConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-standing-orders
method: post
operationId: CreateDomesticStandingOrders
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /domestic-standing-orders/{DomesticStandingOrderId}
method: get
operationId: GetDomesticStandingOrdersDomesticStandingOrderId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /domestic-standing-orders/{DomesticStandingOrderId}/payment-details
method: get
operationId: GetDomesticStandingOrdersDomesticStandingOrderIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /file-payment-consents
method: post
operationId: CreateFilePaymentConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /file-payment-consents/{ConsentId}
method: get
operationId: GetFilePaymentConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /file-payment-consents/{ConsentId}/file
method: post
operationId: CreateFilePaymentConsentsConsentIdFile
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /file-payment-consents/{ConsentId}/file
method: get
operationId: GetFilePaymentConsentsConsentIdFile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /file-payments
method: post
operationId: CreateFilePayments
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /file-payments/{FilePaymentId}
method: get
operationId: GetFilePaymentsFilePaymentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /file-payments/{FilePaymentId}/payment-details
method: get
operationId: GetFilePaymentsFilePaymentIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /file-payments/{FilePaymentId}/report-file
method: get
operationId: GetFilePaymentsFilePaymentIdReportFile
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-payment-consents
method: post
operationId: CreateInternationalPaymentConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /international-payment-consents/{ConsentId}
method: get
operationId: GetInternationalPaymentConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-payment-consents/{ConsentId}/funds-confirmation
method: get
operationId: GetInternationalPaymentConsentsConsentIdFundsConfirmation
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-payments
method: post
operationId: CreateInternationalPayments
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /international-payments/{InternationalPaymentId}
method: get
operationId: GetInternationalPaymentsInternationalPaymentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-payments/{InternationalPaymentId}/payment-details
method: get
operationId: GetInternationalPaymentsInternationalPaymentIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-scheduled-payment-consents
method: post
operationId: CreateInternationalScheduledPaymentConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /international-scheduled-payment-consents/{ConsentId}
method: get
operationId: GetInternationalScheduledPaymentConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-scheduled-payment-consents/{ConsentId}/funds-confirmation
method: get
operationId: GetInternationalScheduledPaymentConsentsConsentIdFundsConfirmation
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-scheduled-payments
method: post
operationId: CreateInternationalScheduledPayments
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /international-scheduled-payments/{InternationalScheduledPaymentId}
method: get
operationId: GetInternationalScheduledPaymentsInternationalScheduledPaymentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-scheduled-payments/{InternationalScheduledPaymentId}/payment-details
method: get
operationId: GetInternationalScheduledPaymentsInternationalScheduledPaymentIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-standing-order-consents
method: post
operationId: CreateInternationalStandingOrderConsents
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /international-standing-order-consents/{ConsentId}
method: get
operationId: GetInternationalStandingOrderConsentsConsentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-standing-orders
method: post
operationId: CreateInternationalStandingOrders
x-agentic-access:
action-class: acting
consequence: physical
subject: required
scope:
- payments
audience: null
token:
max-ttl: 300
exchange: true
purpose-required: true
escalation:
human-in-the-loop: conditional
triggers:
- abnormal
- high-value
audit: required
- path: /international-standing-orders/{InternationalStandingOrderPaymentId}
method: get
operationId: GetInternationalStandingOrdersInternationalStandingOrderPaymentId
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none
- path: /international-standing-orders/{InternationalStandingOrderPaymentId}/payment-details
method: get
operationId: GetInternationalStandingOrdersInternationalStandingOrderPaymentIdPaymentDetails
x-agentic-access:
action-class: connected
consequence: read
subject: optional
scope:
- payments
token:
max-ttl: 3600
audit: none