generated: '2026-07-15' method: generated source: openapi/spinwheel-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: 36 by_action_class: connected: 12 acting: 24 by_consequence: read: 12 write: 19 physical: 5 human_in_the_loop_required: 0 operations: - path: /v1/users/{userId} method: get operationId: getUser x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/users/{userId} method: delete operationId: deleteUser 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: /v1/users/connect/sms method: post operationId: connectUserSms 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: /v1/users/connect/sms/verify method: post operationId: verifySmsConnection 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: /v1/users/connect/kba method: post operationId: connectUserKba 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: /v1/users/connect/kba/verify method: post operationId: verifyKbaAnswers 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: /v1/users/connect/phone method: post operationId: connectUserPhone 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: /v1/users/connect/network-token method: post operationId: connectUserNetworkToken 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: /v1/users/{userId}/debt-profile method: post operationId: requestDebtProfile 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: /v1/users/{userId}/creditProfile/equifax method: post operationId: orderEquifaxReport 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: /v1/users/{userId}/creditProfile/equifax/subscriptions method: post operationId: subscribeDebtProfileRefresh 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: /v1/users/{userId}/creditProfile/equifax/subscriptions method: get operationId: getRefreshSubscriptions x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/users/{userId}/creditProfile/equifax/subscriptions method: delete operationId: deleteRefreshSubscriptions 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: /v1/users/{userId}/liabilities/refresh method: post operationId: requestLiabilityData 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: /v1/users/{userId}/liabilities/refresh/{extRequestId} method: get operationId: pollLiabilityRefreshStatus x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/users/{userId}/liabilities/creditcard/{liabilityId} method: patch operationId: updateCreditCard 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: /v1/users/{userId}/liabilities/studentloan/{liabilityId} method: patch operationId: updateStudentLoan 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: /v1/users/{userId}/bank-accounts method: post operationId: addBankAccount 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: /v1/users/{userId}/bank-accounts/{accountId} method: patch operationId: updateBankAccount 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: /v1/users/{userId}/bank-accounts/{accountId} method: delete operationId: deleteBankAccount 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: /v1/payments/requests method: post operationId: createPayment 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: /v1/payments/requests method: get operationId: listPayments x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/payments/requests/{requestId} method: get operationId: getPayment x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/payments/requests/{requestId} 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: /v1/payments/payers method: post operationId: createPayer 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: /v1/payments/payers method: get operationId: listPayers x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/payments/payers/{payerId} method: get operationId: getPayer x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/payments/payers/{payerId} method: delete operationId: deletePayer 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: /v1/webhooks method: post operationId: createWebhook 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: /v1/webhooks method: get operationId: listWebhooks x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/webhooks/{webhookId} method: get operationId: getWebhook x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/webhooks/{webhookId} method: patch operationId: updateWebhook 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: /v1/webhooks/{webhookId} method: delete operationId: deleteWebhook 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: /v1/constants method: get operationId: listConstants x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/vehicles/makes method: get operationId: listVehicleMakes x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none - path: /v1/vehicles/models method: get operationId: listVehicleModels x-agentic-access: action-class: connected consequence: read subject: optional token: max-ttl: 3600 audit: none