zopa · Agentic Access

zopa Agentic Access

x-agentic-access generated

zopa exposes 23 API operations that an AI agent could call, of which 6 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, 2 write, and 4 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.

CompanyBankingFintechOpen BankingPSD2PaymentsAccount InformationPayment InitiationFAPIUnited KingdomDigital BankLending
Operations: 23 Acting: 6 Human-in-the-loop: 0 Method: generated

By consequence

read 17 write 2 physical 4

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 /domestic-payment-consents physical conditional
POST /domestic-payments physical conditional
POST /domestic-standing-order-consents physical conditional
POST /domestic-standing-orders physical conditional

Source

Agentic Access

Raw ↑ 
generated: '2026-07-21'
method: generated
source: openapi/zopa-account-info-openapi-original.yml, openapi/zopa-payment-initiation-openapi-original.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: 23
  by_action_class:
    acting: 6
    connected: 17
  by_consequence:
    write: 2
    read: 17
    physical: 4
  human_in_the_loop_required: 0
operations:
- path: /account-access-consents
  method: post
  operationId: CreateAccountAccessConsents
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - accounts
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /account-access-consents/{ConsentId}
  method: get
  operationId: GetAccountAccessConsentsConsentId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /account-access-consents/{ConsentId}
  method: delete
  operationId: DeleteAccountAccessConsentsConsentId
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    scope:
    - accounts
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /accounts
  method: get
  operationId: GetAccounts
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}
  method: get
  operationId: GetAccountsAccountId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/balances
  method: get
  operationId: GetAccountsAccountIdBalances
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/beneficiaries
  method: get
  operationId: GetAccountsAccountIdBeneficiaries
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/direct-debits
  method: get
  operationId: GetAccountsAccountIdDirectDebits
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/offers
  method: get
  operationId: GetAccountsAccountIdOffers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/party
  method: get
  operationId: GetAccountsAccountIdParty
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/standing-orders
  method: get
  operationId: GetAccountsAccountIdStandingOrders
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/statements
  method: get
  operationId: GetAccountsAccountIdStatements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /accounts/{AccountId}/transactions
  method: get
  operationId: GetAccountsAccountIdTransactions
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /party
  method: get
  operationId: GetParty
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - accounts
    token:
      max-ttl: 3600
    audit: none
- path: /domestic-payment-consents
  method: post
  operationId: CreateDomesticPaymentConsents
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /domestic-payment-consents/{ConsentId}
  method: get
  operationId: GetDomesticPaymentConsentsConsentId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none
- path: /domestic-payment-consents/{ConsentId}/funds-confirmation
  method: get
  operationId: GetDomesticPaymentConsentsConsentIdFundsConfirmation
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none
- path: /domestic-payments
  method: post
  operationId: CreateDomesticPayments
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /domestic-payments/{DomesticPaymentId}
  method: get
  operationId: GetDomesticPaymentsDomesticPaymentId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none
- path: /domestic-standing-order-consents
  method: post
  operationId: CreateDomesticStandingOrderConsents
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /domestic-standing-order-consents/{ConsentId}
  method: get
  operationId: GetDomesticStandingOrderConsentsConsentId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none
- path: /domestic-standing-orders
  method: post
  operationId: CreateDomesticStandingOrders
  x-agentic-access:
    action-class: acting
    consequence: physical
    subject: required
    scope:
    - payments
    audience: null
    token:
      max-ttl: 300
      exchange: true
      purpose-required: true
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
      - high-value
    audit: required
- path: /domestic-standing-orders/{DomesticStandingOrderId}
  method: get
  operationId: GetDomesticStandingOrdersDomesticStandingOrderId
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    scope:
    - payments
    token:
      max-ttl: 3600
    audit: none