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Documentation Index

Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt

Use this file to discover all available pages before exploring further.

Stay up to date with the latest changes to FYATU API v3.

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May 2026

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May 11, 2026

v3 declared stable — general availability The v3 API is now the official stable release. All endpoints are production-ready and covered by the full SLA. Performance
  • All GET endpoints now serve responses from in-process cache (Dragonfly) after the first request — list endpoints return in under 5ms on cache hit vs. 100–300ms before
  • Cache is automatically invalidated on every write, so reads always reflect the latest state
KYC
  • The Submit KYC Documents endpoint (POST /cardholders/{id}/kyc) is now also available to businesses with Shared KYC enabled — upload front, back, and selfie URLs and the cardholder is verified immediately without a Didit session
  • Fixed kycStatus parameter inconsistency — the cardholder.kyc_approved webhook and email template now consistently use kycStatus (was kycLevel in some paths)
  • KYC sessions now include the cardholder ID in the Didit vendor_data prefix, enabling automatic cardholder matching on webhook return
Bug Fixes
  • Fixed business-branded cardholder emails missing the heading icon, <h1> title, and branded footer — output now matches the full CI4 template structure including gradient header, icon circle, footer note, social links, support email, and address

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April 2026

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April 26, 2026

Bug Fixes
  • Fixed an issue where Create Card could fail with CARDHOLDER_REGISTRATION_FAILED when the business had completed KYB — card provider registration now correctly uses director identity documents
  • Fixed auth token refresh (POST /auth/refresh) discarding the original token’s scopes — refreshed tokens now carry the same permissions as the original
  • Fixed List Collections returning a 500 error when a collection had no update timestamp
Card Creation — Business KYB Requirement
  • Creating a card now returns BUSINESS_KYB_REQUIRED (HTTP 400) if your business has not uploaded director identity documents. Complete KYB verification via the Dashboard before issuing cards. This ensures compliance with card provider requirements.

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April 7, 2026

KYC is now optional for card issuance
  • Cards can be issued to cardholders immediately after creation — no KYC verification required
  • The Initiate KYC Verification endpoint is now optional, for use when identity verification is needed for compliance
  • The kycStatus field is no longer returned in the Create Cardholder response
  • Cardholder registration no longer requires business KYC documents

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April 2, 2026

Automated KYC Verification for Cardholders
  • New Initiate KYC Verification endpoint (POST /cardholders/{id}/kyc/session) — creates a verification session with automated ID document scanning and liveness detection
  • Returns a verificationUrl where the cardholder completes verification directly
  • Results delivered via webhook: cardholder.kyc_approved or cardholder.kyc_rejected
  • Verification fee: $0.60 per successful verification (held on initiation, charged on approval, released on failure)
  • The gender field is now required when creating cardholders (must be MALE or FEMALE)
Deprecations
  • The POST /cardholders/{id}/kyc endpoint for manual document upload is deprecated. Use the new /kyc/session endpoint instead. Sunset date: July 1, 2026
  • The kyc object in the Create Cardholder request body is deprecated. Initiate verification separately after creation

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February 2026

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February 25, 2026

Card Products & Multi-Currency Support
  • New List Products endpoint (GET /cards/products) to discover available card products with fees, limits, and features
  • Card creation now accepts productId to select a specific card product (brand, currency, spending limit)
  • Added EUR-denominated card support — specify amounts in EUR with automatic USD conversion at market rate
  • Default product (marked isDefault: true) is used automatically when no productId is provided
Deprecations
  • The spendingLimit field in Create Card is deprecated in favor of productId. It will continue to work for backward compatibility but will be removed in a future version

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January 2026

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January 16, 2026

Cardholders API Improvements
  • Added webhook events for cardholder lifecycle
  • Improved KYC validation with image requirements
  • Added externalId field for custom identifiers

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January 14, 2026

Authentication Enhancements
  • Added token refresh endpoint
  • Improved error messages for invalid credentials

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December 2025

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December 10, 2025

Payouts API
  • Account verification endpoint
  • Improved payout status tracking

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November 2025

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November 15, 2025

Initial v3 Beta Release
  • JWT-based authentication
  • Collections API
  • Refunds API
  • New response format with request tracking