Qonto · Agentic Access

Qonto Agentic Access

x-agentic-access generated

Qonto exposes 33 API operations that an AI agent could call, of which 16 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: 17 read and 16 write.

7 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.

Business BankingNeobankFintechPaymentsSEPAOpen BankingEUREurope
Operations: 33 Acting: 16 Human-in-the-loop: 7 Method: generated

By consequence

read 17 write 16

Source

Agentic Access

Raw ↑ 
generated: '2026-07-17'
method: generated
source: openapi/qonto-openapi.yml
description: >-
  Recommended x-agentic-access execution contracts, classified heuristically from
  the modeled OpenAPI. A governance starting point for exposing this business-banking
  API to AI agents - review and bind audience per deployment. Money-movement
  operations (SEPA/internal/international transfers, SDD collection mandates, card
  issuance, terminal payments) are marked human-in-the-loop required because they
  move real funds and are subject to PSD2 Strong Customer Authentication (SCA).
  See research/curity/agentic-governance/.
summary:
  operations: 33
  by_action_class:
    acting: 16
    connected: 17
  by_consequence:
    write: 16
    read: 17
  human_in_the_loop_required: 7
operations:
- path: /oauth2/token
  method: post
  operationId: createOrRefreshTokens
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 3600
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
    audit: required
- path: /v2/organization
  method: get
  operationId: getOrganization
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/memberships
  method: get
  operationId: listMemberships
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/memberships
  method: post
  operationId: createMembership
  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: /v2/labels
  method: get
  operationId: listLabels
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/teams
  method: get
  operationId: listTeams
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/teams
  method: post
  operationId: createTeam
  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: /v2/transactions
  method: get
  operationId: listTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/transactions/{id}
  method: get
  operationId: getTransaction
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/statements
  method: get
  operationId: listStatements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/cards
  method: get
  operationId: listCards
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/cards
  method: post
  operationId: createCard
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    audit: required
- path: /v2/sepa/transfers
  method: get
  operationId: listSepaTransfers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/sepa/transfers
  method: post
  operationId: createSepaTransfer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    sca: required
    audit: required
- path: /v2/sepa/bulk_transfers
  method: post
  operationId: createSepaBulkTransfer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    sca: required
    audit: required
- path: /v2/beneficiaries
  method: get
  operationId: listBeneficiaries
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/internal_transfers
  method: post
  operationId: createInternalTransfer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    audit: required
- path: /v2/international_transfers/currencies
  method: get
  operationId: listInternationalCurrencies
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/international_transfers
  method: post
  operationId: createInternationalTransfer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    sca: required
    audit: required
- path: /v2/client_invoices
  method: get
  operationId: listClientInvoices
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/client_invoices
  method: post
  operationId: createClientInvoice
  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: /v2/supplier_invoices
  method: get
  operationId: listSupplierInvoices
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/supplier_invoices
  method: post
  operationId: createSupplierInvoices
  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: /v2/attachments
  method: post
  operationId: uploadAttachment
  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: /v2/sepa/direct_debit_collections/mandates
  method: post
  operationId: createSddMandate
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    audit: required
- path: /v2/sepa/direct_debit_collections
  method: get
  operationId: listSddCollections
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/payment_links
  method: get
  operationId: listPaymentLinks
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/payment_links
  method: post
  operationId: createPaymentLink
  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: /v2/terminals
  method: get
  operationId: listTerminals
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/terminal_payments
  method: post
  operationId: createTerminalPayment
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: required
      triggers:
      - always
    audit: required
- path: /v2/webhook_subscriptions
  method: get
  operationId: listWebhookSubscriptions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v2/webhook_subscriptions
  method: post
  operationId: createWebhookSubscription
  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: /v2/webhook_subscriptions/{id}
  method: delete
  operationId: deleteWebhookSubscription
  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

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=qonto-agentic-access&limit=10"
Everything under a tag 
curl "https://apis.io/api/v1/tags/qonto-agentic-access"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.