generated: '2026-07-18' method: generated source: openapi/defacto-openapi-original.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: 77 by_action_class: acting: 41 connected: 36 by_consequence: physical: 11 read: 36 write: 30 human_in_the_loop_required: 0 operations: - path: /invoice/{invoice_id} method: delete operationId: delete_invoice-invoice-id 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: /invoice/{invoice_id} method: get operationId: get_invoice-invoice-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /invoice/{invoice_id} method: patch operationId: patch_invoice-invoice-id 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: /webhook/{webhook_id} method: delete operationId: delete_webhook-webhook-id 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: /webhook/{webhook_id} method: patch operationId: patch_webhook-webhook-id 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: /bills method: get operationId: get_bills x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /borrower/{borrower_id}/financial-products method: get operationId: get_borrower-borrower-id-financial-products x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /borrower/{borrower_id}/repayment-methods method: get operationId: get_borrower-borrower-id-repayment-methods x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /borrower/{borrower_id}/repayment-methods method: post operationId: post_borrower-borrower-id-repayment-methods 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: /borrower/{borrower_id} method: get operationId: get_borrower-borrower-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /borrowers method: get operationId: get_borrowers x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /borrowers method: post operationId: post_borrowers 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: /business/{business_id}/segment method: get operationId: get_business-business-id-segment x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /business/data-request/data-type/{data_type} method: get operationId: get_business-data-request-data-type-data-type x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /business/public-data method: get operationId: get_business-public-data x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cards/{card_id}/entries/export method: get operationId: get_cards-card-id-entries-export x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cards/{card_id}/entries method: get operationId: get_cards-card-id-entries x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cards/{card_id} method: get operationId: get_cards-card-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /cards method: get operationId: get_cards x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /counterparties method: get operationId: get_counterparties x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /counterparties method: post operationId: post_counterparties 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: /counterparty/{counterparty_id} method: get operationId: get_counterparty-counterparty-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /credit_line/{credit_line_id} method: get operationId: get_credit-line-credit-line-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /credit_line method: get operationId: get_credit-line x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /credit_lines method: get operationId: get_credit-lines x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /eligibility/reasons method: get operationId: get_eligibility-reasons x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /events method: get operationId: get_events x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /hello method: get operationId: get_hello x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /installment-plan/{installment_plan_id} method: get operationId: get_installment-plan-installment-plan-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /installments method: get operationId: get_installments x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /invoices method: get operationId: get_invoices x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /invoices method: post operationId: post_invoices 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: /loan/{loan_id}/events method: get operationId: get_loan-loan-id-events x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /loan/{loan_id} method: get operationId: get_loan-loan-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /loan/{loan_id} method: patch operationId: patch_loan-loan-id 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: /loans method: get operationId: get_loans x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /loans method: post operationId: post_loans 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: /onboarding/{onboarding_id} method: get operationId: get_onboarding-onboarding-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payments method: get operationId: get_payments x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /recollection-case/{recollection_case_id} method: get operationId: get_recollection-case-recollection-case-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /recollection-case/{recollection_case_id} method: put operationId: put_recollection-case-recollection-case-id 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: /recollection-cases method: get operationId: get_recollection-cases x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /recollection-cases method: post operationId: post_recollection-cases 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: /referrer/{referrer_id} method: get operationId: get_referrer-referrer-id x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /sandbox/business-generator method: get operationId: get_sandbox-business-generator x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /sandbox/iban-generator method: get operationId: get_sandbox-iban-generator x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /translation/denial-code/{code} method: get operationId: get_translation-denial-code-code x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /webhooks method: get operationId: get_webhooks x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /webhooks method: post operationId: post_webhooks 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: /cards/{card_id}/status method: patch operationId: patch_cards-card-id-status 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: /bill/{bill_id}/sent method: post operationId: post_bill-bill-id-sent 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: /borrower/{borrower_id}/deactivate method: post operationId: post_borrower-borrower-id-deactivate 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: /borrower/{borrower_id}/owner method: post operationId: post_borrower-borrower-id-owner 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: /borrower/{borrower_id}/sign method: post operationId: post_borrower-borrower-id-sign 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: /business/data/account-transactions method: post operationId: post_business-data-account-transactions 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: /business/data/accounts method: post operationId: post_business-data-accounts 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: /business/data/batch-upload/{batch_id}/close method: post operationId: post_business-data-batch-upload-batch-id-close 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: /business/data/batch-upload method: post operationId: post_business-data-batch-upload 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: /business/data/invoices method: post operationId: post_business-data-invoices 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: /cards/{card_id}/ephemeral-key method: post operationId: post_cards-card-id-ephemeral-key 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: /eligibility/beneficiary method: post operationId: post_eligibility-beneficiary 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: /eligibility/borrower method: post operationId: post_eligibility-borrower 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: /installment-plans method: post operationId: post_installment-plans-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: /invoice/{invoice_id}/submit method: post operationId: post_invoice-invoice-id-submit 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: /invoices/upload method: post operationId: post_invoices-upload 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: /loan/documents/{document_type} method: post operationId: post_loan-documents-document-type 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/{loan_id}/cancel method: post operationId: post_loan-loan-id-cancel 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/{loan_id}/validate method: post operationId: post_loan-loan-id-validate 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: /onboardings method: post operationId: post_onboardings 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: /recollection-case/{recollection_case_id}/installment-plans/compute method: post operationId: post_recollection-case-recollection-case-id-installment-plans-compute 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: /recollection-case/{recollection_case_id}/installment-plans method: post operationId: post_recollection-case-recollection-case-id-installment-plans 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: /referrer/{referrer_id}/upload-invoice/{revenue_share_id} method: post operationId: post_referrer-referrer-id-upload-invoice-revenue-share-id 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: /repay/now method: post operationId: post_repay-now 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: /sandbox/business-eligible method: post operationId: post_sandbox-business-eligible 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: /sandbox/invoice-generator method: post operationId: post_sandbox-invoice-generator 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: /subscription/{subscription_id}/activate method: post operationId: post_subscription-subscription-id-activate 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/repayment-terms method: put operationId: put_loan-repayment-terms 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