How to Assign RISK_POINTS to AI Agent Tools

This guide walks you through risk scoring for your AI agent's tools with RISK_POINTS — the unit Cycles uses for action authority enforcement. By the end, you'll have a scored tool list and a per-run budget you can configure directly.

For the full risk assessment framework and regulatory context, see AI Agent Risk Assessment. This page is the implementation-focused quick reference.

Prerequisites:

• You know what RISK_POINTS are (protocol reference)
• You have a list of tools your agent can call

Step 1: List your tools

Start by inventorying every tool the agent can invoke. For each tool, note:

• Name — the function or tool name your agent calls
• What it does — one-sentence description
• What it modifies — does it read, write locally, call external APIs, mutate records, or execute irreversible actions?

Example inventory for a customer support agent:

Tool	What it does	What it modifies
search_knowledge	Searches the knowledge base	Nothing (read-only)
get_customer	Looks up customer by ID	Nothing (read-only)
save_draft_note	Saves internal draft note	Local, reversible
call_crm_api	Reads customer data from CRM	External API (read)
send_customer_email	Sends email to customer's inbox	External, hard to reverse
update_crm_status	Updates customer status in CRM	External, hard to reverse
create_jira_ticket	Creates a Jira ticket (triggers notifications)	External, customer-visible
issue_refund	Processes a financial refund	Irreversible

Step 2: Classify each tool into a risk tier

Use these three questions to classify:

Does this tool modify any state?
├── NO → Tier 0 (Read-only)
│
└── YES
    ├── Can a human undo this in under 5 minutes?
    │   └── YES → Tier 1 (Write-local)
    │
    ├── Does it leave your system boundary (external API)?
    │   └── YES, but reversible → Tier 2 (Write-external)
    │
    ├── Does it affect someone who did not request it?
    │   (customer, external party, end user)
    │   └── YES, hard to reverse → Tier 3 (Mutation)
    │
    └── Is the change irreversible? (deploy, payment, permission grant)
        └── YES → Tier 4 (Execution)

The third question — "Does it affect someone who did not request it?" — is the key differentiator between Tier 2 (external but contained) and Tier 3 (customer-facing impact). An API call to a third-party service you control is Tier 2. An email landing in a customer's inbox is Tier 3 — even though both are external.

Each tier has a base RISK_POINTS score:

Tier	Type	Base Points	Rationale
0	Read-only	0	No side effects — reads should be free
1	Write-local	1	Low impact, easily reversible
2	Write-external	5	External dependency, some coordination to reverse
3	Mutation	20	Customer-facing impact, difficult to reverse
4	Execution	50	Irreversible, financial or production impact

Edge cases and rules of thumb

• If a tool matches multiple tiers, assign the highest. A generic API tool that can both read and write should be scored at the write tier.
• If a tool's risk varies by parameter (e.g., a generic call_api used for both reads and writes), score at the highest tier it can reach, or split it into separate tool definitions.
• If unsure, score one tier higher and validate in shadow mode. It's cheaper to loosen a tight score than to recover from an under-scored tool causing an incident.
• When multiplied scores produce decimals (e.g., 5 × 1.5 = 7.5), round up to the next integer.
• The same tool in different deployments can have different tiers based on what it connects to.

Step 3: Apply risk scoring multipliers

Base points assume a generic context. Four factors adjust them for your specific deployment. Take the maximum of all four — they don't stack multiplicatively.

Formula: Final RISK_POINTS = Base × max(Audience, Sensitivity, Regulatory, Reputational)

Audience size

Audience	Multiplier
Internal only	1x
Single external party	1.5x
Customer segment (<100)	2x
Broad external (100+)	3x

Data sensitivity

Sensitivity	Multiplier
Public data	1x
Internal business data	1.5x
Customer PII	2x
Financial / health / regulated	3x

Regulatory context

Regulatory	Multiplier
No specific regulation	1x
General data protection (e.g., GDPR)	1.5x
Industry-specific (e.g., HIPAA, PCI-DSS, SOX)	2x
Multiple overlapping regulations	3x

Reputational exposure

Exposure	Multiplier
Internal only	1x
Single external party	1.5x
Customer-facing (visible to end users)	2x
Press / social media / regulatory scrutiny	3x

Applying the formula

For send_customer_email:

• Base: Tier 3 = 20 points
• Audience: customer segment (2x)
• Sensitivity: internal business data (1.5x)
• Regulatory: none (1x)
• Reputational: customer-facing (2x)
• Max multiplier: 2x (audience or reputational)
• Final: 20 × 2 = 40 RISK_POINTS

Step 4: Set your per-run budget

Sum the expected tool calls for a typical run, then add buffer:

1. Count how many times each tool is called in a normal agent run
2. Multiply each by its RISK_POINTS score
3. Sum the results
4. Add 20-30% buffer for variance

Example: Customer support agent

Tool	Score	Typical calls per run	Points consumed
search_knowledge	0	4-6	0
get_customer	0	1-2	0
save_draft_note	1	1	1
call_crm_api	5	1	5
send_customer_email	40	1	40
update_crm_status	40	1	40
create_jira_ticket	20	0-1	0-20
issue_refund	150	0 (rare)	0
Normal run total			86-106

Set per-run budget to 250 RISK_POINTS:

• Normal resolution: ~86-106 points (comfortable headroom)
• Complex resolution (email + ticket + CRM update): ~106 points
• Single refund + email: 150 + 40 = 190 points (fits)
• Two refunds: 300 points (does not fit — requires escalation)

This budget lets the agent handle any normal support interaction while preventing it from issuing multiple refunds or sending dozens of emails in a single run.

Step 5: Validate with shadow mode

Before enforcing, run with dry_run: true for 1-2 weeks:

1. Create the RISK_POINTS budget via admin API
2. Set reservations to dry-run mode
3. Monitor the shadow-mode denial rate:
   • > 5% — scores or budget too tight, agents can't do normal work
   • 1-3% — catching real anomalies without blocking legitimate work
   • 0% — budget is too loose, won't catch incidents
4. Adjust individual tool scores or the run budget based on the data
5. When denial patterns are no longer surprising, enable enforcement

See the shadow mode rollout guide for the full process.

Common AI agent tool classifications

Reference table for 25+ common tools. These are starting points — adjust based on your deployment context using the multiplier framework above.

Tier 0 — Read-only (0 base points)

Tool	Description	Typical final score
search / search_knowledge	Search knowledge base, vector DB	0
get_user / get_customer	Look up user/customer record	0
read_file	Read a local file	0
get_weather	Weather API lookup	0
web_search	Web search (Google, Bing)	0
list_records	List/query database records	0
get_balance	Check account balance	0

Reads in regulated environments

If your agent handles PII, financial, or health data, consider assigning 1-2 points to sensitive read tools or tracking them under a separate budget. An agent that reads 10,000 customer records hasn't changed state, but has created a data-exposure surface.

Tier 1 — Write-local (1 base point)

Tool	Description	Typical final score
save_draft	Save draft document	1
log_event	Write to application log	1
update_cache	Update local cache	1
save_note / add_internal_note	Save internal note	1-2

Tier 2 — Write-external (5 base points)

Tool	Description	Typical final score
call_external_api	Generic third-party API call	5-10
webhook_post	Fire a webhook	5-10
post_to_internal_slack	Post to an internal Slack channel	5
generate_image	Generate image via API (Stable Diffusion, DALL-E)	5-10
generate_video	Generate video via API	10-15

Tier 3 — Mutation (20 base points)

Tool	Description	Typical final score
send_email / send_customer_email	Send email to customer	40-60
create_jira_ticket / create_support_ticket	Create ticket (triggers customer-visible notifications)	20-40
send_external_slack	Post to customer-shared Slack channel	40-60
update_record / update_crm	Update database/CRM record	20-40
delete_record	Delete a database record	40-60
create_calendar_event	Schedule meeting on someone's calendar	20-40
update_subscription	Modify a customer's subscription	40-60

Tier 4 — Execution (50 base points)

Tool	Description	Typical final score
deploy / trigger_deploy	Deploy to production	100-150
execute_payment / issue_refund	Process financial transaction	100-150
grant_permission	Modify access control	100-150
execute_code	Run arbitrary code	100
delete_database	Drop a table or database	150
modify_infrastructure	Change cloud infrastructure (scaling, networking)	100-150

Worked example: Risk scoring an AI agent from scratch

A data analysis agent with these tools:

1. query_database — reads data → Tier 0, 0 points
2. web_search — external search → Tier 0, 0 points (read-only)
3. generate_chart — calls chart API → Tier 2, 5 points (external, reversible)
4. send_report_email — emails stakeholders → Tier 3, 20 × 2x (customer segment audience) = 40 points
5. update_dashboard — writes to internal dashboard → Tier 1, 1 point (easily reversible)
6. export_to_s3 — writes file to S3 bucket → Tier 2, 5 × 1.5x (internal business data) ≈ 8 points (round up)

Typical run: 10 queries (0) + 3 searches (0) + 2 charts (10) + 1 email (40) + 1 dashboard update (1) + 1 export (8) = 59 points

Set run budget: 100 RISK_POINTS — allows a normal run with room for a second email or extra charts, but prevents sending 3+ reports in a loop.

When to recalibrate risk scores

Review your scores when:

• A new tool is added. Classify and score it before deployment.
• An incident occurs. If a tool caused damage, re-evaluate its tier and multiplier.
• Usage patterns shift. If shadow mode shows agents consistently near the budget ceiling on normal runs, the budget is too tight — raise it or optimize the workflow.
• Commit overage events climb. Rising reservation.commit_overage events indicate your cost estimates are drifting from reality. Tool scores may need adjusting too.

Next steps

• Budget Allocation and Management — configure your scored tool list and budget via the admin API
• Common Budget Patterns — per-tenant, per-workflow, per-run budget structures
• Shadow Mode Rollout — validating scores before enforcing
• Degradation Paths — what agents should do when risk budget runs low
• AI Agent Risk Assessment — the full framework deep-dive with regulatory context
• Event Payloads Reference — monitoring commit overage and denial events