Plaid · Agentic Access

Plaid Agentic Access

x-agentic-access generated

Plaid exposes 577 API operations that an AI agent could call, of which 577 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: 389 write, 176 physical, and 12 safety-critical.

12 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.

FinancialFintechOpen BankingBank AccountsData AggregationPaymentsUnited States
Operations: 577 Acting: 577 Human-in-the-loop: 12 Method: generated

By consequence

write 389 physical 176 safety-critical 12

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 /deposit_switch/alt/create safety-critical required
POST /deposit_switch/alt/create safety-critical required
POST /payment_initiation/consent/revoke safety-critical required
POST /payment_initiation/consent/revoke safety-critical required
POST /processor/token/permissions/set safety-critical required
POST /processor/token/permissions/set safety-critical required
POST /sandbox/item/reset_login safety-critical required
POST /sandbox/item/reset_login safety-critical required
POST /sandbox/item/reset_login safety-critical required
POST /sandbox/payment_profile/reset_login safety-critical required
POST /sandbox/payment_profile/reset_login safety-critical required
POST /sandbox/payment_profile/reset_login safety-critical required
POST /bank_transfer/balance/get physical conditional
POST /bank_transfer/balance/get physical conditional
POST /bank_transfer/cancel physical conditional
POST /bank_transfer/cancel physical conditional
POST /bank_transfer/create physical conditional
POST /bank_transfer/create physical conditional
POST /bank_transfer/event/list physical conditional
POST /bank_transfer/event/list physical conditional
POST /bank_transfer/event/sync physical conditional
POST /bank_transfer/event/sync physical conditional
POST /bank_transfer/get physical conditional
POST /bank_transfer/get physical conditional
POST /bank_transfer/list physical conditional

Source

Agentic Access

Raw ↑ 
generated: '2026-07-15'
method: generated
source: openapi/plaid-accounts--openapi-original.yml, openapi/plaid-application--openapi-original.yml,
  openapi/plaid-asset-report--openapi-original.yml, openapi/plaid-auth--openapi-original.yml,
  openapi/plaid-bank-transfer--openapi-original.yml, openapi/plaid-beacon--openapi-original.yml,
  openapi/plaid-beta--openapi-original.yml, openapi/plaid-categories--openapi-original.yml,
  openapi/plaid-cra--openapi-original.yml, openapi/plaid-credit--openapi-original.yml, openapi/plaid-dashboard-user--openapi-original.yml,
  openapi/plaid-deposit-switch--openapi-original.yml, openapi/plaid-employers--openapi-original.yml,
  openapi/plaid-fdx--openapi-original.yml, openapi/plaid-identity--openapi-original.yml, openapi/plaid-identity-verification--openapi-original.yml,
  openapi/plaid-income--openapi-original.yml, openapi/plaid-institutions--openapi-original.yml,
  openapi/plaid-investments--openapi-original.yml, openapi/plaid-item--openapi-original.yml,
  openapi/plaid-liabilities--openapi-original.yml, openapi/plaid-link--openapi-original.yml,
  openapi/plaid-link-delivery--openapi-original.yml, openapi/plaid-openapi-original.yml, openapi/plaid-partner--openapi-original.yml,
  openapi/plaid-payment-initiation--openapi-original.yml, openapi/plaid-payment-profile--openapi-original.yml,
  openapi/plaid-processor--openapi-original.yml, openapi/plaid-profile--openapi-original.yml,
  openapi/plaid-sandbox--openapi-original.yml, openapi/plaid-signal--openapi-original.yml, openapi/plaid-statements--openapi-original.yml,
  openapi/plaid-transactions--openapi-original.yml, openapi/plaid-transfer--openapi-original.yml,
  openapi/plaid-user--openapi-original.yml, openapi/plaid-wallet--openapi-original.yml, openapi/plaid-watchlist-screening--openapi-original.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: 577
  by_action_class:
    acting: 577
  by_consequence:
    write: 389
    physical: 176
    safety-critical: 12
  human_in_the_loop_required: 12
operations:
- path: /accounts/get
  method: post
  operationId: accountsGet
  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/balance/get
  method: post
  operationId: accountsBalanceGet
  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: /item/application/list
  method: post
  operationId: itemApplicationList
  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: /item/application/unlink
  method: post
  operationId: itemApplicationUnlink
  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: /item/application/scopes/update
  method: post
  operationId: itemApplicationScopesUpdate
  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: /application/get
  method: post
  operationId: applicationGet
  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: /asset_report/create
  method: post
  operationId: assetReportCreate
  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: /asset_report/get
  method: post
  operationId: assetReportGet
  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: /asset_report/pdf/get
  method: post
  operationId: assetReportPdfGet
  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: /asset_report/refresh
  method: post
  operationId: assetReportRefresh
  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: /asset_report/filter
  method: post
  operationId: assetReportFilter
  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: /asset_report/remove
  method: post
  operationId: assetReportRemove
  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: /asset_report/audit_copy/create
  method: post
  operationId: assetReportAuditCopyCreate
  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: /asset_report/audit_copy/get
  method: post
  operationId: assetReportAuditCopyGet
  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: /asset_report/audit_copy/remove
  method: post
  operationId: assetReportAuditCopyRemove
  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: /credit/asset_report/freddie_mac/get
  method: post
  operationId: creditAssetReportFreddieMacGet
  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: /auth/get
  method: post
  operationId: authGet
  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: /processor/auth/get
  method: post
  operationId: processorAuthGet
  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: /investments/auth/get
  method: post
  operationId: investmentsAuthGet
  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: /processor/bank_transfer/create
  method: post
  operationId: processorBankTransferCreate
  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: /bank_transfer/get
  method: post
  operationId: bankTransferGet
  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: /bank_transfer/create
  method: post
  operationId: bankTransferCreate
  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: /bank_transfer/list
  method: post
  operationId: bankTransferList
  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: /bank_transfer/cancel
  method: post
  operationId: bankTransferCancel
  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: /bank_transfer/event/list
  method: post
  operationId: bankTransferEventList
  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: /bank_transfer/event/sync
  method: post
  operationId: bankTransferEventSync
  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: /bank_transfer/sweep/get
  method: post
  operationId: bankTransferSweepGet
  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: /bank_transfer/sweep/list
  method: post
  operationId: bankTransferSweepList
  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: /bank_transfer/balance/get
  method: post
  operationId: bankTransferBalanceGet
  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: /bank_transfer/migrate_account
  method: post
  operationId: bankTransferMigrateAccount
  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: /sandbox/bank_transfer/simulate
  method: post
  operationId: sandboxBankTransferSimulate
  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: /sandbox/bank_transfer/fire_webhook
  method: post
  operationId: sandboxBankTransferFireWebhook
  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: /beacon/account_risk/v1/evaluate
  method: post
  operationId: beaconAccountRiskEvaluate
  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: /beacon/user/create
  method: post
  operationId: beaconUserCreate
  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: /beacon/user/get
  method: post
  operationId: beaconUserGet
  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: /beacon/user/review
  method: post
  operationId: beaconUserReview
  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: /beacon/report/create
  method: post
  operationId: beaconReportCreate
  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: /beacon/report/list
  method: post
  operationId: beaconReportList
  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: /beacon/report_syndication/list
  method: post
  operationId: beaconReportSyndicationList
  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: /beacon/report/get
  method: post
  operationId: beaconReportGet
  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: /beacon/report_syndication/get
  method: post
  operationId: beaconReportSyndicationGet
  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: /beacon/user/update
  method: post
  operationId: beaconUserUpdate
  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: /beacon/duplicate/get
  method: post
  operationId: beaconDuplicateGet
  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: /beacon/user/history/list
  method: post
  operationId: beaconUserHistoryList
  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: /beta/credit/v1/bank_employment/get
  method: post
  operationId: creditBankEmploymentGet
  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: /beta/transactions/v1/enhance
  method: post
  operationId: transactionsEnhance
  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: /beta/transactions/rules/v1/create
  method: post
  operationId: transactionsRulesCreate
  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: /beta/transactions/rules/v1/list
  method: post
  operationId: transactionsRulesList
  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: /beta/transactions/rules/v1/remove
  method: post
  operationId: transactionsRulesRemove
  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: /beta/transactions/user_insights/v1/get
  method: post
  operationId: transactionsUserInsightsGet
  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: /categories/get
  method: post
  operationId: categoriesGet
  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: /cra/base_report/get
  method: post
  operationId: baseReportGet
  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: /cra/base_report/create
  method: post
  operationId: baseReportCreate
  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: /cra/bank_income/get
  method: post
  operationId: craBankIncomeGet
  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: /cra/bank_income/create
  method: post
  operationId: craBankIncomeCreate
  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: /cra/partner_insights/get
  method: post
  operationId: craPartnerInsightsGet
  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: /cra/loans/applications/register
  method: post
  operationId: craLoansApplicationsRegister
  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: /cra/loans/register
  method: post
  operationId: craLoansRegister
  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: /cra/loans/update
  method: post
  operationId: craLoansUpdate
  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: /cra/loans/unregister
  method: post
  operationId: craLoansUnregister
  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: /credit/audit_copy_token/update
  method: post
  operationId: creditAuditCopyTokenUpdate
  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: /credit/sessions/get
  method: post
  operationId: creditSessionsGet
  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: /credit/audit_copy_token/create
  method: post
  operationId: creditAuditCopyTokenCreate
  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: /credit/audit_copy_token/remove
  method: post
  operationId: creditReportAuditCopyRemove
  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: /credit/asset_report/freddie_mac/get
  method: post
  operationId: creditAssetReportFreddieMacGet
  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: /credit/freddie_mac/reports/get
  method: post
  operationId: creditFreddieMacReportsGet
  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: /beta/credit/v1/bank_employment/get
  method: post
  operationId: creditBankEmploymentGet
  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: /credit/bank_income/get
  method: post
  operationId: creditBankIncomeGet
  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: /credit/bank_income/pdf/get
  method: post
  operationId: creditBankIncomePdfGet
  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: /credit/bank_income/refresh
  method: post
  operationId: creditBankIncomeRefresh
  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: /credit/bank_income/webhook/update
  method: post
  operationId: creditBankIncomeWebhookUpdate
  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: /credit/payroll_income/parsing_config/update
  method: post
  operationId: creditPayrollIncomeParsingConfigUpdate
  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: /credit/bank_statements/uploads/get
  method: post
  operationId: creditBankStatementsUploadsGet
  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: /credit/payroll_income/get
  method: post
  operationId: creditPayrollIncomeGet
  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: /credit/payroll_income/risk_signals/get
  method: post
  operationId: creditPayrollIncomeRiskSignalsGet
  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: /credit/payroll_income/precheck
  method: post
  operationId: creditPayrollIncomePrecheck
  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: /credit/employment/get
  method: post
  operationId: creditEmploymentGet
  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: /credit/payroll_income/refresh
  method: post
  operationId: creditPayrollIncomeRefresh
  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: /credit/relay/create
  method: post
  operationId: creditRelayCreate
  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: /credit/relay/get
  method: post
  operationId: creditRelayGet
  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: /credit/relay/pdf/get
  method: post
  operationId: creditRelayPdfGet
  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: /credit/relay/refresh
  method: post
  operationId: creditRelayRefresh
  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: /credit/relay/remove
  method: post
  operationId: creditRelayRemove
  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: /dashboard_user/get
  method: post
  operationId: dashboardUserGet
  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: /dashboard_user/list
  method: post
  operationId: dashboardUserList
  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: /deposit_switch/create
  method: p

# --- truncated at 32 KB (210 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/plaid/refs/heads/main/agentic-access/plaid-agentic-access.yml

Work with this as data

Every access contract here is available over the APIs.io API and to AI agents over MCP. Agentic Access is not yet its own endpoint on the v1 API. Reach it through catalog search and the tag graph, or the MCP server.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for agentic access

3 MCP tools reach this
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
Search the catalog 
curl "https://apis.io/api/v1/search?q=plaid-agentic-access&limit=10"
Everything under a tag 
curl "https://apis.io/api/v1/tags/plaid-agentic-access"

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