Synchrony Financial Agentic Access

x-agentic-access generated

Synchrony Financial exposes 9 API operations that an AI agent could call, of which 8 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: 1 read, 5 write, and 3 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.

Financial ServicesCreditPaymentsConsumer FinanceRetail Finance

Operations: 9 Acting: 8 Human-in-the-loop: 0 Method: generated

By consequence

read 1 write 5 physical 3

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/authorizations/payments	physical	conditional
POST	/v1/authorizations/purchases	physical	conditional
POST	/v1/authorizations/refunds	physical	conditional

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/synchrony-financial-credit-authorization-openapi.yml, openapi/synchrony-financial-quickscreen-apply-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: 9
  by_action_class:
    acting: 8
    connected: 1
  by_consequence:
    physical: 3
    write: 5
    read: 1
  human_in_the_loop_required: 0
operations:
- path: /v1/authorizations/purchases
  method: post
  operationId: createPurchase
  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/authorizations/preauthorizations
  method: post
  operationId: createPreauthorization
  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/authorizations/completions
  method: post
  operationId: createCompletion
  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/authorizations/payments
  method: post
  operationId: createPayment
  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/authorizations/refunds
  method: post
  operationId: createRefund
  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/authorizations/reversals
  method: post
  operationId: createReversal
  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/credit/preapproval
  method: post
  operationId: submitPreapproval
  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/credit/applications
  method: post
  operationId: submitApplication
  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/credit/applications/{applicationId}
  method: get
  operationId: getApplicationDecision
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none