TD Bank · Agentic Access

TD Bank Agentic Access

x-agentic-access generated

TD Bank exposes 32 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: 25 read, 5 write, and 2 safety-critical.

2 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.

Account AggregationAMLAkoyaBankingBank Secrecy ActBill PaymentConsentConsumer BankingFDXFinancial ServicesMerchant SolutionsNotificationsOpen BankingPaymentsRewardsTax FormsToken ManagementTransactions

Operations: 32 Acting: 7 Human-in-the-loop: 2 Method: generated

By consequence

read 25 write 5 safety-critical 2

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
DELETE	/consents/{consentId}	safety-critical	required
POST	/revoke	safety-critical	required

Source

Agentic Access

generated: '2026-07-15'
method: generated
source: openapi/td-bank-account-basic-api-openapi.yml, openapi/td-bank-account-detailed-api-openapi.yml,
  openapi/td-bank-apps-management-api-openapi.yml, openapi/td-bank-bill-payment-api-openapi.yml,
  openapi/td-bank-consent-api-openapi.yml, openapi/td-bank-customer-api-openapi.yml, openapi/td-bank-notifications-api-openapi.yml,
  openapi/td-bank-rewards-api-openapi.yml, openapi/td-bank-service-token-api-openapi.yml, openapi/td-bank-statements-api-openapi.yml,
  openapi/td-bank-tax-forms-api-openapi.yml, openapi/td-bank-token-api-openapi.yml, openapi/td-bank-transactions-api-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: 32
  by_action_class:
    connected: 25
    acting: 7
  by_consequence:
    read: 25
    write: 5
    safety-critical: 2
  human_in_the_loop_required: 2
operations:
- path: /accounts
  method: get
  operationId: listAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}
  method: get
  operationId: getAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/contact
  method: get
  operationId: getAccountContact
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /apps
  method: get
  operationId: listApps
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /apps
  method: post
  operationId: createApp
  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: /apps/{appId}
  method: get
  operationId: getApp
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /apps/{appId}
  method: put
  operationId: updateApp
  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: /apps/{appId}/subscriptions
  method: get
  operationId: listAppSubscriptions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /apps/{appId}/clusters
  method: get
  operationId: listAppClusters
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /clusters/{clusterId}/entities
  method: get
  operationId: listClusterEntities
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/payees
  method: get
  operationId: listPayees
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/bill-payments
  method: get
  operationId: listBillPayments
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /consents/{consentId}
  method: get
  operationId: getConsent
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /consents/{consentId}
  method: delete
  operationId: revokeConsent
  x-agentic-access:
    action-class: acting
    consequence: safety-critical
    subject: required
    audience: null
    token:
      max-ttl: 120
      exchange: true
      purpose-required: true
      proof-of-possession: true
    escalation:
      human-in-the-loop: required
    audit: required
- path: /consent-revocations
  method: get
  operationId: listConsentRevocations
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/customers
  method: get
  operationId: listAccountCustomers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /customers/current
  method: get
  operationId: getCurrentCustomer
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /notifications
  method: get
  operationId: listNotifications
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /notifications/{notificationId}
  method: get
  operationId: getNotification
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /rewards-programs
  method: get
  operationId: listRewardsPrograms
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /rewards-programs/{programId}
  method: get
  operationId: getRewardsProgram
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /service-token
  method: post
  operationId: createServiceToken
  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/{accountId}/statements
  method: get
  operationId: listStatements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/statements/{statementId}
  method: get
  operationId: getStatement
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/tax-forms
  method: get
  operationId: listTaxForms
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/tax-forms/{taxFormId}
  method: get
  operationId: getTaxForm
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /par
  method: post
  operationId: pushedAuthorizationRequest
  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: /token
  method: post
  operationId: createToken
  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: /revoke
  method: post
  operationId: revokeToken
  x-agentic-access:
    action-class: acting
    consequence: safety-critical
    subject: required
    audience: null
    token:
      max-ttl: 120
      exchange: true
      purpose-required: true
      proof-of-possession: true
    escalation:
      human-in-the-loop: required
    audit: required
- path: /accounts/{accountId}/transactions
  method: get
  operationId: listTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/transactions/{transactionId}
  method: get
  operationId: getTransaction
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{accountId}/transactions/{transactionId}/image
  method: get
  operationId: getTransactionImage
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none