generated: '2026-07-24' method: generated source: openapi/nacha-account-validation-plus-name-ret.json, openapi/nacha-account-validation-plus-name.json, openapi/nacha-account-validation.json, openapi/nacha-authorize-to-pay.json, openapi/nacha-bank-contact-v2.json, openapi/nacha-bank-contacts.json, openapi/nacha-corporate-account-balances.json, openapi/nacha-corporate-transaction-detail.json, openapi/nacha-corporate-transaction-history.json, openapi/nacha-get-wire-status.json, openapi/nacha-iar-plus.json, openapi/nacha-iar.json, openapi/nacha-initiate-instant-payment.json, openapi/nacha-initiate-payment-api.json, openapi/nacha-initiate-payment.json, openapi/nacha-initiate-wire-payment.json, openapi/nacha-instant-payment-transfer.json, openapi/nacha-pay-me.json, openapi/nacha-payee-profile.json, openapi/nacha-proof-of-authorization.json, openapi/nacha-realtime-billing-account-validation.json, openapi/nacha-ret.json, openapi/nacha-transaction-status.json, openapi/nacha-wsud.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: 30 by_action_class: acting: 25 connected: 5 by_consequence: write: 11 physical: 14 read: 5 human_in_the_loop_required: 0 operations: - path: /validatewithnameandret method: post operationId: validateAccountWithNameAndRET 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: /validate method: post operationId: validateAccount 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/validate/achPaymentDebitAcceptance method: post operationId: validateDebtorAccount 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: /accounts/validate/achPaymentCreditAcceptance method: post operationId: validateCreditorAccount 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: /debitauthorizations method: post operationId: Authorize to Pay - Request 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: /banks/contact method: post operationId: Expand Bank Contact V2 - Input 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: /banks/contact method: get operationId: Expand Bank Contact V2 - Get x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /banks/{bank_id}/contact method: get operationId: findByBankIdAndReason x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /balance method: post operationId: Get Corporate Account Balances 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: /transactions/detail method: post operationId: Get Transaction Detail 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: /transactions/history method: post operationId: Get Corporate Transaction History 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: /wirestatus method: post operationId: Wire Status 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: /iarplus method: post operationId: International ACH Remittance 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: /iar method: post operationId: International ACH Remittance 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: /instant method: post operationId: Initiate Instant Payment 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: /initiate method: post operationId: Initiate Payment 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: /payments/ach/debit method: post operationId: ACH Payments Debit 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: /payments/ach/credit method: post operationId: ACH Payments Credit 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: /wire method: post operationId: Initiate Wire Transfer 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: /fi/instant method: post operationId: Instant Payment Transfer 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: /accounts/payers/bill method: post operationId: Route Billing Information 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: /profile method: get operationId: Get Participants Profile x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /documents/proofofauth method: post operationId: Proof of Authorization - Request 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/payers method: post operationId: Real Time Billing Account Validation 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: /ret method: post operationId: Reporting ACH Return Payments 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: /payments/ach/status/transactionId/{transactionIdentification} method: get operationId: GetTransactionStatusByTransactionId x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payments/ach/status/instructionId/{instructionIdentification} method: get operationId: GetTransactionStatusByInstructionId x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /payments/ach/credit/status method: post 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: /payments/ach/debit/status method: post 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: /transactions/WSUD method: post operationId: Written Statement of Unauthorized Debit - Request 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