# capabilities.txt

> bank.example — a digital bank. Accounts, payments, and disputes.
> Sensitive capabilities require step-up auth and emit governed, auditable evidence.
> Structured form: https://bank.example/.well-known/capabilities.json
> Invocation, governance & evidence via the Capability Host Protocol: https://www.capabilityhostprotocol.com
> (Illustrative example — fictional site.)

## Accounts

### Accounts (banking.accounts)

- banking.get_balance (v1.0.0) — Get the balance for an authorized account
- banking.list_transactions (v1.2.0) — List transactions for an account

## Payments

### Transfers (banking.payments) — sensitive

- banking.initiate_transfer (v2.0.0) — Initiate a transfer (step-up auth; emits an approval + evidence record)
- banking.get_transfer_status (v1.0.0) — Check the status of a transfer

## Disputes

### Disputes (banking.disputes)

- banking.open_dispute (v1.1.0) — Open a dispute on a transaction (records reason + evidence)
- banking.get_dispute_status (v1.0.0) — Check the status of a dispute