> ## 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.

# Changelog

> Fyatu API changelog — latest updates, new features, breaking changes, and deprecation notices for API v3.

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

## May 2026

### 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](/v3/api-reference/cardholders/kyc) 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

## April 2026

### April 26, 2026

**Bug Fixes**

* Fixed an issue where [Create Card](/v3/api-reference/cards/create) 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](/v3/api-reference/collections/list) 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.

### 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](/v3/api-reference/cardholders/kyc-session) endpoint is now optional, for use when identity verification is needed for compliance
* The `kycStatus` field is no longer returned in the [Create Cardholder](/v3/api-reference/cardholders/create) response
* Cardholder registration no longer requires business KYC documents

### April 2, 2026

**Automated KYC Verification for Cardholders**

* New [Initiate KYC Verification](/v3/api-reference/cardholders/kyc-session) 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](/v3/api-reference/cardholders/create) request body is deprecated. Initiate verification separately after creation

## February 2026

### February 25, 2026

**Card Products & Multi-Currency Support**

* New [List Products](/v3/api-reference/cards/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](/v3/api-reference/cards/create) is deprecated in favor of `productId`. It will continue to work for backward compatibility but will be removed in a future version

## January 2026

### January 16, 2026

**Cardholders API Improvements**

* Added webhook events for cardholder lifecycle
* Improved KYC validation with image requirements
* Added `externalId` field for custom identifiers

### January 14, 2026

**Authentication Enhancements**

* Added token refresh endpoint
* Improved error messages for invalid credentials

## December 2025

### December 10, 2025

**Payouts API**

* Account verification endpoint
* Improved payout status tracking

## November 2025

### November 15, 2025

**Initial v3 Beta Release**

* JWT-based authentication
* Collections API
* Refunds API
* New response format with request tracking