Changelog: 2019-Jul-19

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

Critical Updates

  • :white_check_mark: Accounts (Duplicate Accounts): In line with our improved duplicate user account detection to close duplicate accounts (duplicate_user_check), we have replaced the “unique policy” functionality that we previously provided for duplicate account detection.
    • Please note that new duplicate user account logic will also include disabling nodes and canceling transactions based on latest activity.
      • When the accounts in question have transactions, then the account with latest transactions will be prioritized (i.e. it will remain open) and the other duplicate accounts will be closed.
      • Similarly, an account with transactions will be prioritized and the duplicate accounts without transactions will be closed.
      • And an account that has an associated node will be prioritized and the accounts that do not have nodes or transactions will be closed.

New Features

  • :white_check_mark: Loans (Calculate Loan Reserve): New API call to allow Platform to calculate portion of loan reserve used, total loan balance, and the remaining lendable balance. Refer to Review Loan Reserve API call and associated loan_obj.

  • :white_check_mark: Loans (One-Time): Added ability for user to create one-time loan backed by an individual reserve account.

  • :white_check_mark: Account Features (Ad-Hoc Statements): Added API call to request ad-hoc statements for specific nodes. Can return statement as CSV or JSON. Link to Generate Node Statements API call

    • Note: this feature is currently in beta.
  • :white_check_mark: KYC (Government IDs): New SUBMITTED|REVIEWING logic for GOVT_ID

    • Previously, government IDs that could not be immediately verified (requiring additional / manual review) were marked invalid while review was pending, but now are placed in a new temporary review status. Status is typically updated within 24 hours (excluding weekends and holidays).
  • :beach_umbrella: Interchange: Added AMEX Sandbox Test Value for INTERCHANGE-US card linking. Refer to Link Card API call for more information.


  • :beach_umbrella: Accounts (Subnets): Subnets now require a document_id associated with the underlying node upon creation to prevent them from getting stuck in pending status. Refer to Create Node API call for more details.

  • :white_check_mark: Fraud Monitoring: Pushed updates to fraud monitoring for issuance processing transactions.

    • We have separated out fraud logic for business customers and fraud logic for personal individual accounts.
  • :white_check_mark: Loans (One-Time): One-time loans that didn’t have a properly defined disbursement_node_id, and thus were not disbursed, can now be set to INACTIVE and should not count against your collateral.

  • :white_check_mark: Transactions (Transaction Processing): If transaction amount changes during transaction processing, we now send an additional webhook once the balance updates (previously update was sent next-day).

  • :white_check_mark: Client Dashboard (Transaction Creation): The estimated fee amount for node to node transactions that aren’t specified in the client controls defaults to $0.00 (visual change only).

  • :white_check_mark: Client Dashboard (User Documents): Select document types will not display the full document value until signed in as that user.

  • :white_check_mark: Data Enrichment Service (Transaction Classification): Improved transaction classification model (improved accuracy of category classification), and improved speed and quality of recurring classification (e.g. daily, weekly, biweekly, monthly, quarterly, etc.).

  • :white_check_mark: ACH: Improved automated process for adding ACH Trace IDs to transaction records.

  • :white_check_mark: ACH (Returns): Implemented tracking ID to enable incoming ACH returns to be matched to original ACH transactions.

    • :white_check_mark: Also Improved automated process for resolving issues with ACH Return files.
  • :white_check_mark: Subscriptions (Security): Updated list of blacklisted IPs to improve subscription security.

  • :white_check_mark: Remote Deposit Capture: Preprocessed RDC images are now sent back in the response for RDC transactions (in from.meta.original_check_back and from.meta.original_check_front). Refer to Create RDC Transaction API call.


  • :white_check_mark: To freeze (inactivate) a card, both ATM and POS limits (atm_withdrawal_limit and pos_withdrawal_limit) have to be set to 0.

    • This fix applies to both card subnets and CARD-US nodes.
  • :white_check_mark: Loans (One-Time): One-time loans are now aggregated by their balance and not by their credit limit when checking against the loan reserve.

  • :white_check_mark: Loans: Loans can now be tier-exclusive rather than available for the entire CIP Tag.

  • :white_check_mark: Loans (Revolving): Revolving loans can no longer be created with or patched to a negative credit limit.

  • :white_check_mark: Error Handling: Alphanumeric Error Codes for nearly all calls have been added and mapped to descriptive (“human-readable”) Error Messages. We expect these unique codes to make error handling easier.

  • :white_check_mark: Accounts (Subnets): Terminate all subnets on a node when the node is LOCKED

  • :white_check_mark: Card can no longer be made to go negative by an internal transfer.

  • :white_check_mark: File Processing: Resolved a file processing issue where temporary directories were being reused (affected outgoing files).

  • :white_check_mark: Checks (Check Printing): Fixes for SFTP connections used for check printing.

  • :white_check_mark: Data Enrichment Service (Transaction Classification): Fixed profile matching for Google Play / Square Cash transactions.

  • :white_check_mark: Client Dashboard (User Detail): Fixed an issue where the “Change Permission” button wasn’t displaying.

  • :white_check_mark: Client Dashboard (User Detail): Fixed an issue where the documents that were invalid or missing weren’t shown as such in Dashboard UI.