Changelog: 2019-Oct-25

Please Note: Additional items have been appended to this Changelog post-publication.

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

Critical Updates

  • :beach_umbrella: KYC (ID Score): Additional improvements to ID Score (documents.id_score) are now live in Sandbox.

New Features

  • :white_check_mark: Loans (One-Time Loans): The Change Payment Date (aka “Snooze”) API call has been updated to allow for the optional inclusion of the new update_schedule boolean in the request payload.

    • The Change Payment Date API call would by default also shift all subsequent payment dates to fall on the same day of the month as the date specified in the call.
    • However, by including "update_scedule": false in the request payload, you can shift (aka “snooze”) the next payment to your desired date without shifting all subsequent payment dates.
  • :white_check_mark: Client Dashboard (Node Agreements): If a node has an associated PDF Agreement (NODE_AGREEMENT) available, it will now be displayed on the node detail page of the Client Dashboard.

  • :white_check_mark: Client Dashboard (Savings Accounts): You can now create Savings (IB-DEPOSIT-US) nodes from the Client Dashboard, along with the ability to issue subnets (cards).


  • :white_check_mark: KYC (EIN Document Verification): Improved accuracy for text extracted from EIN documents and improved handling of multi-page EIN documents.

  • :white_check_mark: KYC (EIN/TIN Validation): We will now delay submission of EINs/TINs for validation with the IRS until at least 14 days after the incorporated date for new businesses.

  • :white_check_mark: UIaaS (Cards UI): Cards with Mastercard BINs will now display the Mastercard logo.

  • :white_check_mark: UIaaS (Cards UI): The browser header will no longer display the deprecated CARD-US, and will now only display the platform name.


  • :white_check_mark: Loans (One-Time Loans): Pushed fix to ensure fallback double charge protection during batch processing for auto-pay one-time loan repayments still in created or processing status (i.e. CREATED, PROCESSING-DEBIT, or PROCESSING-CREDIT).

  • :white_check_mark: KYC (Micro-deposits): Fixed vulnerability in micro-deposit origination system and now issue new error message (no_kyc_skip_micro) when attempting to send micro-deposits for users without KYC documents on file. [Note: Added 2019-Oct-29]

    • For more details, please refer to post-mortem here.