Changelog: 2019-Aug-16

Pushed to production :white_check_mark:, Pushed to Sandbox :beach_umbrella:.

Critical Updates

  • :white_check_mark: Operations: Our Customer Success and Integration Engineer teams will no longer complete ANY API actions on behalf of platforms. This decision was made to further improve information security standards, both internally and for our platforms. [Mentioned in previous Changelog post-publication.]

  • :white_check_mark: Card Issuance: Cards subnets (and legacy CARD-US nodes) can now only be set to ACTIVE status a maximum of 10 times per week. This change should prevent unintended or non-standard use of our Update Card Status API call. [Mentioned in previous Changelog post-publication.]

  • :white_check_mark: Users (User Object): Reduced user historical data to the most recent (e.g. recent logins, phone numbers, emails, legal names, device fingerprints, and documents, as well as the most recent photo).

    • This change was made to decrease platforms’ load for transmitting user data returned in webhooks and to improve platforms’ system performance.
    • Please note that, for instance, registering a new device or uploading a new document may remove a previously submitted device fingerprint or document from the user object (i.e. our system sets an internal limit on the allowed count of items for each type of historical data). [Note: Added 2019-Aug-29]
  • :white_check_mark: Loans: LOCKED loans now count against the platform reserve account.

  • :white_check_mark: KYC: Now limit user to 2 SSN retry attempts.

New Features

  • :white_check_mark: ACH Transactions between Synapse-hosted accounts will now settle immediately.

  • :beach_umbrella: Loans: Loans can now be taken out with both the platform reserve account and a user reserve account serving as collateral in a 50/50 split ratio.

  • :white_check_mark: Loans: We now allow platforms to settle any loan account (LOAN-US) from their reserve account.


  • :beach_umbrella: Card Processing (Sandbox Test Values): Added Apple Pay test cards for sandbox testing. Refer to “Test Cards for Apps and the Web” here.

  • :white_check_mark: KYC (ID Verification): Updated machine learning model for ID verification (e.g. improved rotation of vertical IDs and cropping of submitted images, among other changes).

  • :white_check_mark: Users (Fraud Detection): Added platform user tag to improve governance model for ACH fraud detection algorithm.

  • ::white_check_mark: Cards Issuance: Improved API performance and fault tolerance for transaction API calls made from/to accounts with multiple associated card subnets.

  • :beach_umbrella: Card Issuance: Mastercard card issuance direct integration is now available in Sandbox. New version of our physical card design and manufacturing process is now available in closed beta.


  • :white_check_mark: Loans: Booking a rejection no longer requires disbursement_node_id for one-time loans.