Scotiabank · Agentic Access

Scotiabank Agentic Access

x-agentic-access generated

Scotiabank exposes 13 API operations that an AI agent could call, of which 7 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: 6 read, 1 write, and 6 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.

BankingFinancePaymentsCanadaOpen Banking

Operations: 13 Acting: 7 Human-in-the-loop: 0 Method: generated

By consequence

read 6 write 1 physical 6

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	/v1/payments/eft	physical	conditional
PATCH	/v1/payments/eft/{payment_id}	physical	conditional
DELETE	/v1/payments/eft/{payment_id}	physical	conditional
POST	/v1/payments/realtime	physical	conditional
POST	/v1/payments/request-for-payment	physical	conditional
POST	/v1/payments/wire	physical	conditional

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/scotiabank-tranxact-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: 13
  by_action_class:
    acting: 7
    connected: 6
  by_consequence:
    physical: 6
    read: 6
    write: 1
  human_in_the_loop_required: 0
operations:
- path: /v1/payments/wire
  method: post
  operationId: initiateWirePayment
  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: /v1/payments/wire/{payment_id}
  method: get
  operationId: getWirePayment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/payments/realtime
  method: post
  operationId: initiateRealtimePayment
  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: /v1/payments/request-for-payment
  method: post
  operationId: sendRequestForPayment
  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: /v1/payments/eft
  method: post
  operationId: createEFTPayment
  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: /v1/payments/eft/{payment_id}
  method: get
  operationId: getEFTPayment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/payments/eft/{payment_id}
  method: patch
  operationId: updateEFTPayment
  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: /v1/payments/eft/{payment_id}
  method: delete
  operationId: deleteEFTPayment
  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: /v1/accounts
  method: get
  operationId: listAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/accounts/{account_id}/balance
  method: get
  operationId: getAccountBalance
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/accounts/{account_id}/transactions
  method: get
  operationId: listAccountTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /v1/accounts/validate
  method: post
  operationId: validateAccount
  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: /v1/payments/track/{reference_id}
  method: get
  operationId: trackPayment
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none