generated: '2026-07-15' method: generated source: openapi/cross-river-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: 22 by_action_class: acting: 16 connected: 6 by_consequence: write: 11 read: 6 physical: 5 human_in_the_loop_required: 0 operations: - path: /core/v1/cm/customers method: post operationId: createCustomer 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: /core/v1/cm/customers/{id} method: get operationId: getCustomer x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /core/v1/cm/customers/{id} method: delete operationId: deactivateCustomer 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: /core/v1/cm/customers/{customerId}/beneficial-owners method: post operationId: addBeneficialOwner 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: /core/v1/cm/customers/{customerId}/identifications method: post operationId: addIdentification 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: /core/v1/dda/accounts method: post operationId: createAccount 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: /core/v1/dda/accounts/{accountNumber}/restrictions method: post operationId: addAccountRestriction 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: /core/v1/dda/accounts/{accountNumber}/statements method: get operationId: listAccountStatements x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /ach/v1/payments method: post operationId: sendAchPayment 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: /wires/v1/payments method: post operationId: sendWirePayment 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: /wires/v1/payments/{id}/cancel method: post operationId: cancelWirePayment 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: /rtp/v1/payments method: post operationId: sendInstantPayment 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: /rtp/v1/directory method: get operationId: getInstantPaymentDirectory x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cardmanagement/v1/cards method: get operationId: listCards x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cardmanagement/v1/cards method: post operationId: createCard 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: /cardmanagement/v1/cards/{id} method: get operationId: getCard x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cardmanagement/v1/cards/{id}/activate method: post operationId: activateCard 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: /cardmanagement/v1/cards/{id}/suspend method: post operationId: suspendCard 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: /cardmanagement/v1/cards/{id}/close method: post operationId: closeCard 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: /loan method: post operationId: addLoan 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: /loandetail/{id} method: get operationId: getLoanDetail x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /loan/{id}/fundinginfo method: put operationId: requestLoanFundingRails 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