​
v0.3.0-draft (2026-02-25)

​
Added

  • Collections resource for ACH debit pull payments
  • Settlement routes for automated inbound fund handling
  • Open rail for instant, fee-free internal platform payments
  • Compliance actions pattern (POST /payments/{id}/actions/{type}) for travel rule, RFI, CoP/VoP
  • Deposit instructions endpoint for unified fiat/crypto deposit info
  • Inbound payment travel rule submission
  • Simulation endpoint for collection status changes

​
Changed

  • Expanded payment rails from 7 to 8 (added open)
  • Operations increased from 114 to 138

​
v0.2.0-draft (2026-02-23)

​
Added

  • SEPA and Faster Payments rails (expanded from 5 to 7 rails)
  • Typed EventData with resourceId, resourceType, snapshot structure
  • 36 event types across 7 domains
  • Sensitive field tagging (x-sensitive: true)
  • Forward compatibility: additionalProperties: true on all response schemas

​
Changed

  • Unified account model replacing separate accounts + wallets
  • FX field naming changed from source/target to sell/buy (stakeholder decision)
  • Payment creation returns 201 Created (not 202 Accepted)
  • Deposit instructions replace account numbers for crypto
  • Removed deprecated FX path aliases

​
Removed

  • Wallet endpoints (merged into unified accounts)
  • 6 deprecated FX alias operations

​
v0.1.0-draft (2026-02-18)

Initial v3 API specification draft.
  • 56 operations across 42 paths
  • Entity-based identity model with progressive onboarding
  • Unified payments endpoint with staged intent lifecycle
  • 5 payment rails: ACH, Wire, SWIFT, FedNow, Crypto
  • FX engine: quotes, conversions, indicative rates
  • Ed25519 asymmetric request signing (ADR-0015)
  • Webhook system with signed payloads and replay API
  • Sandbox simulation endpoints