Triodos Bank UK · Agentic Access

Triodos Bank UK Agentic Access

x-agentic-access generated

Triodos Bank UK exposes 101 API operations that an AI agent could call, of which 50 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: 51 read, 13 write, 36 physical, and 1 safety-critical.

1 operation 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.

Financial ServicesBankingOpen BankingPSD2XS2ABerlin GroupUnited KingdomPaymentsAccount InformationConfirmation of FundsEthical BankingSustainable FinanceSpecialist Lender
Operations: 101 Acting: 50 Human-in-the-loop: 1 Method: generated

By consequence

read 51 write 13 physical 36 safety-critical 1

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.

MethodPathConsequenceHuman-in-loop
POST /{tenant}/v1/token/revoke safety-critical required
POST /{tenant}/v1/bulk-payments/sepa-credit-transfers physical conditional
DELETE /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id} physical conditional
POST /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/authorisations physical conditional
PUT /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations physical conditional
PUT /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/payments/cross-border-credit-transfers physical conditional
DELETE /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id} physical conditional
POST /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/authorisations physical conditional
PUT /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/cancellation-authorisations physical conditional
PUT /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/payments/sepa-credit-transfers physical conditional
DELETE /{tenant}/v1/payments/sepa-credit-transfers/{resource-id} physical conditional
POST /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/authorisations physical conditional
PUT /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations physical conditional
PUT /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/payments/uk-domestic-transfers physical conditional
DELETE /{tenant}/v1/payments/uk-domestic-transfers/{resource-id} physical conditional
POST /{tenant}/v1/payments/uk-domestic-transfers/{resource-id}/authorisations physical conditional
PUT /{tenant}/v1/payments/uk-domestic-transfers/{resource-id}/authorisations/{authorisation-id} physical conditional
POST /{tenant}/v1/payments/uk-domestic-transfers/{resource-id}/cancellation-authorisations physical conditional
PUT /{tenant}/v1/payments/uk-domestic-transfers/{resource-id}/cancellation-authorisations/{authorisation-id} physical conditional

Source

Agentic Access

Raw ↑ 
generated: '2026-07-23'
method: generated
source: openapi/triodos-bank-uk-auth-openapi.json, openapi/triodos-bank-uk-xs2a-openapi.json
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: 101
  by_action_class:
    connected: 51
    acting: 50
  by_consequence:
    read: 51
    write: 13
    safety-critical: 1
    physical: 36
  human_in_the_loop_required: 1
operations:
- path: /{tenant}/v1/auth
  method: get
  operationId: authorizeGet
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/auth
  method: post
  operationId: authorizePost
  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: /{tenant}/.well-known/openid-configuration
  method: get
  operationId: configuration
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/registration
  method: post
  operationId: authorizePost_1
  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: /{tenant}/v1/token
  method: post
  operationId: token
  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: /{tenant}/v1/token/revoke
  method: post
  operationId: tokenRevocation
  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: /{tenant}/v1/userinfo
  method: get
  operationId: doGet
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/userinfo
  method: post
  operationId: doPost
  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: /{tenant}/onboarding/v1
  method: get
  operationId: initialAccessToken
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/accounts/{account-id}
  method: get
  operationId: getAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/accounts
  method: get
  operationId: getAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/accounts/{account-id}/balances
  method: get
  operationId: getBalances
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/accounts/{account-id}/transactions
  method: get
  operationId: getTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/accounts/{account-id}/transactions/page
  method: get
  operationId: getTransactionsPage
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/authorisations
  method: get
  operationId: getAuthorisations
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/authorisations
  method: post
  operationId: createAuthorisation
  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: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id}
  method: get
  operationId: getAuthorisation
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id}
  method: put
  operationId: submitAuthorisation
  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: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations
  method: get
  operationId: getCancellationAuthorisations
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations
  method: post
  operationId: createCancellationAuthorisation
  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: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
  method: get
  operationId: getCancellationAuthorisation
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
  method: put
  operationId: submitCancellationAuthorisation
  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: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}
  method: delete
  operationId: deletePayment
  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: /{tenant}/v1/bulk-payments/sepa-credit-transfers/{resource-id}/status
  method: get
  operationId: getStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/bulk-payments/sepa-credit-transfers
  method: post
  operationId: initiateSepaBulkPayment
  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: /{tenant}/v1/funds-confirmations
  method: post
  operationId: confirmFundsAvailable
  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: /{tenant}/v1/consents/{resource-id}/authorisations
  method: get
  operationId: getAisAuthorisations
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/consents/{resource-id}/authorisations
  method: post
  operationId: createAisAuthorisation
  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: /{tenant}/v1/consents/{resource-id}/authorisations/{authorisation-id}
  method: get
  operationId: getAisAuthorisationStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/consents/{resource-id}/authorisations/{authorisation-id}
  method: put
  operationId: submitAisAuthorisation
  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: /{tenant}/v1/consents/{resource-id}
  method: get
  operationId: getAisConsent
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/consents/{resource-id}
  method: delete
  operationId: deleteAisConsent
  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: /{tenant}/v1/consents/{resource-id}/status
  method: get
  operationId: getAisConsentStatus
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/consents
  method: post
  operationId: registerConsentRequest
  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: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/authorisations
  method: get
  operationId: getAuthorisations_1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/authorisations
  method: post
  operationId: createAuthorisation_1
  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: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/authorisations/{authorisation-id}
  method: get
  operationId: getAuthorisation_1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/authorisations/{authorisation-id}
  method: put
  operationId: submitAuthorisation_1
  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: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/cancellation-authorisations
  method: get
  operationId: getCancellationAuthorisations_1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/cancellation-authorisations
  method: post
  operationId: createCancellationAuthorisation_1
  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: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
  method: get
  operationId: getCancellationAuthorisation_1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
  method: put
  operationId: submitCancellationAuthorisation_1
  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: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}
  method: delete
  operationId: deletePayment_1
  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: /{tenant}/v1/payments/cross-border-credit-transfers/{resource-id}/status
  method: get
  operationId: getStatus_1
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/cross-border-credit-transfers
  method: post
  operationId: initiateCrossBorderPayment
  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: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/authorisations
  method: get
  operationId: getAuthorisations_2
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/authorisations
  method: post
  operationId: createAuthorisation_2
  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: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id}
  method: get
  operationId: getAuthorisation_2
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id}
  method: put
  operationId: submitAuthorisation_2
  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: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations
  method: get
  operationId: getCancellationAuthorisations_2
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations
  method: post
  operationId: createCancellationAuthorisation_2
  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: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
  method: get
  operationId: getCancellationAuthorisation_2
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
  method: put
  operationId: submitCancellationAuthorisation_2
  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: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}
  method: delete
  operationId: deletePayment_2
  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: /{tenant}/v1/payments/sepa-credit-transfers/{resource-id}/status
  method: get
  operationId: getStatus_2
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /{tenant}/v1/payments/sepa-credit-transfers
  method: post
  operationId: initiateSepaPayment
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- path: /{tenant}/v1/periodic-payments/sepa-credit-transfers/{resource-id}/authorisations/{authorisation-id}
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- path: /{tenant}/v1/periodic-payments/uk-domestic-transfers/{resource-id}/cancellation-authorisations/{authorisation-id}
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- path: /{tenant}/v1/periodic-payments/uk-domestic-transfers
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- path: /{tenant}/v2/consents/confirmation-of-funds/{resource-id}/authorisations
  method: get
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- path: /{tenant}/v2/consents/confirmation-of-funds/{resource-id}/authorisations

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# Full source: https://raw.githubusercontent.com/api-evangelist/triodos-bank-uk/refs/heads/main/agentic-access/triodos-bank-uk-agentic-access.yml