Changelog

This page tracks notable changes to the Fincore API and its documentation: contract updates, behavior changes, new features, deprecations, and operational policies (e.g., webhook delivery/retry rules).

Rule of thumb: if an integrator might need to adjust code, business logic, monitoring, or expectations, it belongs here.

Each release may include:

• Type: Added / Changed / Deprecated / Removed / Fixed / Security
• Tags (impact):
  • [Breaking] — requires changes to avoid failures.
  • [Behavior] — not necessarily breaking, but outcomes or rules changed.
  • [Operational] — affects retries, delivery, latency, or runtime expectations.
  • [Docs] — documentation-only changes (no functional change).
  • [Security] — security-related change.

For every entry we aim to include:

• Impact: what changes for you
• Action required: what you should do (if anything)
• References: links to the relevant guide/endpoint

• 2026-05-07 — Money Out unified routing: POST /v1/transactions/money_out now automatically detects when the destination instrument belongs to a Finco Pay account and routes the transaction as an internal (book-to-book) transfer. No SPEI is used; settlement is near-real-time. No changes to the request body are required. POST /v1/transactions/internal_transaction remains functional but migration to Money Out is encouraged for new integrations. → Internal Transactions · Quickstart: Money Out Release note
• 2026-03-13 — Private Account Lifecycle: added a new public guide and documented customer-facing lifecycle actions for private accounts, including cancel, block, and activate. → View release notes

• 2026-03-11 — Idempotency: clarified canonical JSON hashing rules and updated deterministic Idempotency-Key generation samples for Python and Node.js.
  → View release notes

• 2026-01-28 — Internal transactions: clarified MONEY_IN webhook behavior (emitted only when destination belongs to a different owner_id; no webhook for same-owner transfers).
  → View release notes

• 2026-01-07 — Penny Validation: optional description and external_reference, backend defaults, and webhook propagation.
  → View release notes

• 2026-01-05 — Auth simplification (JWT primary), client-scoped webhook management, CEP webhook clarifications, changelog launch.
  → View release notes

This changelog may include updates to:

• Guides (Quickstart, Idempotency, Money In, Money Out, Internal Transactions, Penny Validation, Business Units)
• Webhooks (MONEY_IN, STATUS_UPDATE, CEP)
• OpenAPI specification (fields, schemas, request/response contracts, error models)

If you have questions about a release or need migration help, contact Monato Support: support@monato.com