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