Changelog

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

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April 2026

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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 is MCWORLDUSD 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 20, 2025

eSIM API Launch

• New eSIM purchasing and management endpoints
• Support for 190+ countries
• Top-up functionality for existing eSIMs

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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