Alpha Layer2financial Layer2 API Specification
53
AI ReadinessFoundational (C-)53/100
Agent-ready OpenAPI document · curated by JenticPaymentsPayouts Transfersoauth257 EndpointsREST
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For Agents
Move funds between fiat and crypto accounts with Layer2 Financial: create deposits, withdrawals, transfers, exchanges, and settlements through 57 OAuth 2.0 endpoints. Suitable for agents handling treasury, payout, and customer onboarding workflows.
Use for: I want to send a payout to a customer's bank account, Quote an exchange between USD and a stablecoin before executing, Create a new customer application and upload KYC documents, List all transfers awaiting acceptance for a given customer
Not supported: Does not handle card acceptance, merchant checkout, or in-person POS payments - use for fiat and crypto account-to-account movement only.
Jentic publishes the only available OpenAPI specification for Layer2 API Specification, keeping it validated and agent-ready. The Layer2 Financial API is a developer platform for moving money between fiat and digital-asset accounts, with endpoints for customer onboarding, deposits, withdrawals, transfers, exchanges, settlements, and subscription management. It exposes 57 OAuth 2.0 secured operations across applications, accounts, counterparties, and document upload, including quote-based and market-rate exchanges between supported currencies. The API is designed for fintechs and treasury platforms that need to orchestrate cross-rail payments and reconcile settlement events programmatically.
Install Jentic One Beta
Connect the Layer2 API Specification to your agent
Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the Layer2 API Specification, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.
Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.
1
Step 1: Jentic One Host machine
# On the machine that will host your Jentic One instance:
curl -fsSL "https://jentic.com/install.sh?src=apis&api=%2Fapis%2Falpha.layer2financial.dev%2Flayer2financial" | sh2
Step 2: Agent machine
# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL "https://jentic.com/install.sh?src=apis&api=%2Fapis%2Falpha.layer2financial.dev%2Flayer2financial" | sh
jentic register # connects your agent to your Jentic One instanceJentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.
Capabilities
What an agent can do with Layer2 API Specification API.
Onboard customers and submit KYC applications via the /v1/applications and /v1/customers endpoints
Create and accept deposits, withdrawals, and inter-account transfers with explicit two-step confirmation
Quote and execute fiat-to-crypto exchanges using /v1/exchanges/quote and /v1/exchanges/market
Register counterparty bank and wallet details for outbound payouts
Upload supporting documents to /v1/documents/{id} for compliance review
Subscribe to settlement and transfer notifications via /v1/subscriptions
Reconcile completed settlements and ledger movements through dedicated settlement endpoints
Use Cases
Patterns agents use Layer2 API Specification API for, with concrete tasks.
★ Fiat-to-Crypto Treasury Operations
Treasury teams use Layer2 Financial to move balances between USD operating accounts and digital-asset wallets without building separate banking and crypto integrations. The two-step quote-then-accept exchange flow lets the team lock in a rate, review the all-in cost, and only commit on acceptance. Settlement endpoints expose the resulting ledger entries for accounting reconciliation.
Create an exchange quote for 50000 USD to USDC, present the quoted rate to the operator, then call accept on the quote and poll the settlement endpoint until the entry is finalised.
Customer Onboarding and KYC
Fintech platforms onboard end customers through the applications and customers resources, attaching identity documents via the document upload endpoint. The API tracks application state through review and approval, exposing the customer record only when KYC is complete. Counterparty registration follows so that approved customers can immediately initiate transfers.
Create an application for a new customer with their personal details, upload a passport scan to /v1/documents/{id}, and poll the application until status transitions to approved.
Outbound Payouts to Counterparties
Operations teams pay vendors, contractors, and partner accounts by registering counterparty bank or wallet records once, then issuing withdrawals or transfers against them. Each payout requires explicit acceptance, which separates instruction from execution and gives the operator a final review step before funds move.
Look up an existing counterparty by name, create a withdrawal of 2500 USD against that counterparty, then accept the withdrawal once the operator confirms.
AI Agent Treasury Assistant via Jentic
Through Jentic, an AI agent can field natural-language requests like 'send 1000 USDC to our cold wallet counterparty' and resolve them to the correct Layer2 endpoints with the correct OAuth token. Jentic's your Jentic One instance keeps the OAuth client secret and refresh token isolated from the agent context, so the agent only ever holds a scoped, short-lived access token.
Search Jentic for 'send a stablecoin payout', load the Layer2 withdrawal operation schema, and execute the call with counterparty_id, amount, and currency parameters.
Key Endpoints
57 endpoints — jentic publishes the only available openapi specification for layer2 api specification, keeping it validated and agent-ready.
METHOD
PATH
DESCRIPTION
POST
/v1/withdrawals
Create a withdrawal to a counterparty
POST
/v1/withdrawals/{id}/accept
Accept and release a pending withdrawal
POST
/v1/transfers
Move funds between internal accounts
POST
/v1/exchanges/quote
Get a rate-locked exchange quote
POST
/v1/exchanges/market
Execute a market-rate exchange
POST
/v1/deposits
Create an inbound deposit instruction
POST
/v1/documents/{id}
Upload a KYC or compliance document
POST
/v1/subscriptions
Subscribe to settlement and event notifications
POST
/v1/withdrawals
Create a withdrawal to a counterparty
POST
/v1/withdrawals/{id}/accept
Accept and release a pending withdrawal
POST
/v1/transfers
Move funds between internal accounts
POST
/v1/exchanges/quote
Get a rate-locked exchange quote
POST
/v1/exchanges/market
Execute a market-rate exchange
POST
/v1/deposits
Create an inbound deposit instruction
POST
/v1/documents/{id}
Upload a KYC or compliance document
POST
/v1/subscriptions
Subscribe to settlement and event notifications
Jentic AI Readiness Score
This API is usable in Jentic One now. Its AI-readiness score against Jentic's framework shows where it stands today and where improvements would make it even easier for agents to use.
L
Layer2 API Specification
- Foundational (C-)53/100
55
Foundational Compliance44
Developer Experience & Jentic Compatibility33
AI-Readiness & Agent Experience93
Agent Usability85
Security100
AI DiscoverabilityPowered by JenticScoring Framework 1.0.0 | Scoring Engine 0.4.0
Show dimension breakdown
55
Foundational Compliance
Base layer of spec validity and structural soundness.
Grade: CSignals: 4
90%
Lint Results
Aggregated quality score from linter diagnostics, weighted by severity.
100%
Resolution Completeness
Percentage of `$ref` references that resolve successfully.
0%
Specification Validity
Checks whether the API description parses successfully and conforms to its declared specification (e.g., OpenAPI).
30%
Structural Integrity
Structural correctness score based on schema issues using logarithmic dampening.
44
Developer Experience & Jentic Compatibility
Clarity, completeness, and ingestion readiness for developers and tooling.
Grade: DSignals: 4
0%
Example Density
How richly the API is illustrated with examples.
0%
Example Validity
Percentage of examples that conform to their schemas.
75%
Response Coverage
Percentage of operations with complete response definitions (success, client error, server error).
100%
Tooling Readiness
Health of API ingestion, bundling, and resolution within Jentic pipelines.
33
AI-Readiness & Agent Experience
Semantic breadth, depth, and agent comprehension for AI systems.
Grade: FSignals: 4
76%
Description Coverage
Coverage of descriptions across API elements.
0%
Error Standardization
Coverage of RFC 9457 Problem Details for error responses.
0%
OperationId Quality
Coverage, uniqueness, and casing consistency of operationIds for AI inference.
56%
Summary Coverage
Coverage of summaries across operations/tags/info.
93
Agent Usability
Functional utility, complexity comfort, and AI orchestration readiness.
Grade: A+Signals: 1
93%
Complexity Comfort
Agent comfort level based on API operational and structural complexity.
85
Security
Trust, risk posture, and security compliance.
Grade: ASignals: 1
85%
Authentication Strength
Average quality of security schemes based on authentication method strength (weakest link for OAuth2).
100
AI Discoverability
Findability, semantic richness, and reasoning readiness.
Grade: A+Signals: 1
100%
Descriptive Richness
Clarity and depth of descriptions across API elements.
Score it yourself
Every API in the directory is allowlisted, so you can re-score it with no key required.
npx @jentic/api-scorecard-cli score <openapi-url>Why Jentic?
What agents get from Jentic-routed access to this vendor.
Setup
Wiring the Layer2 API by hand means running its OAuth2 token exchange against alpha.layer2financial.dev and encoding withdrawal, transfer, exchange, and deposit calls with your own retry handling. Through Jentic you install once, import the Layer2 API from the API Directory, store the OAuth2 credentials once, and your agent calls it.
Permission scoping
The Layer2 API puts the resource id in the URL path (/v1/withdrawals/{id}/accept, /v1/documents/{id}), so a rule can pin your agent to accepting one withdrawal or updating one document. You choose the operations it may call, so creating transfers, exchanges, or deposits is not included unless you add them.
Credential isolation
Your Layer2 OAuth2 credentials are stored once, encrypted, by your own Jentic One instance and injected at execution time. They never enter the agent's prompt, logs, or context.
Intent-based discovery
Agents search Jentic by intent such as 'create a transfer' or 'get an exchange quote', and Jentic returns the matching Layer2 operation with its input schema so the agent calls the right endpoint without browsing the reference docs.
Related APIs
Alternatives and complements available in the Jentic catalogue.
Alternative
Stripe API
Card-first payments and payouts platform without native crypto rails
Choose Stripe when the workflow is card acceptance or fiat-only payouts and crypto settlement is not required.
FAQs
Specific to using Layer2 API Specification API through Jentic.
Why is there no official OpenAPI spec for Layer2 API Specification?
Layer2 Financial does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Layer2 API Specification via structured tooling. It is validated against the live API and kept up to date. Get started with Jentic One, the self-hosted execution layer.
What authentication does the Layer2 API Specification use?
Layer2 uses OAuth 2.0 client credentials. Through Jentic, the client ID and secret stay encrypted in your Jentic One instance and the agent only sees a scoped access token at call time, so refresh tokens never enter the agent context.
Can I send a USD-to-USDC exchange with the Layer2 API Specification?
Yes. Call POST /v1/exchanges/quote to lock in a rate, review the returned quote, and then POST to /v1/exchanges/{id}/accept to commit. Market-rate exchanges go through POST /v1/exchanges/market when no prior quote is needed.
What are the rate limits for the Layer2 API Specification?
Specific rate limits are not published in the spec. Layer2 enforces account-level throttling tied to your environment tier (sandbox versus production). Build retry-with-backoff for 429 responses and contact Layer2 to raise limits for production workloads.
How do I create a payout to a counterparty through Jentic?
Search Jentic with the query 'send a stablecoin payout', load the schema for POST /v1/withdrawals, and execute it with counterparty_id, amount, and currency. Then call POST /v1/withdrawals/{id}/accept to release the funds.
Does Layer2 API Specification handle KYC document uploads?
Yes. After creating a customer application, upload identity documents to POST /v1/documents/{id}. Layer2 reviews them as part of the application workflow before transitioning the customer to an active state.
Can I limit what my agent is allowed to do with the Layer2 Financial API?
Yes. Because you self-host Jentic One, your own rules decide which Layer2 operations and credentials the agent may use, so you can allow it to accept a single withdrawal via POST /v1/withdrawals/{id}/accept or upload one document via POST /v1/documents/{id} without granting anything else. Since the resource id sits in the URL path, a rule can pin the agent to a specific record. Creating transfers, exchanges, or deposits stays off limits unless you explicitly add those operations.
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