# 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.


## How to read this changelog

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


## Latest releases

* **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](/products/fincore/guides/internal-transactions) · [Quickstart: Money Out](/products/fincore/guides/quickstart#money-out-transaction)
[Release note](/products/fincore/changelog/2026-05-07)
* **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](/products/fincore/changelog/2026-03-13)


- **2026-03-11** — Idempotency: clarified canonical JSON hashing rules and updated deterministic `Idempotency-Key` generation samples for Python and Node.js.
→ [View release notes](/products/fincore/changelog/2026-03-11)
- **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](/products/fincore/changelog/2026-01-28)
- **2026-01-07** — Penny Validation: optional `description` and `external_reference`, backend defaults, and webhook propagation.
→ [View release notes](/products/fincore/changelog/2026-01-07)
- **2026-01-05** — Auth simplification (JWT primary), client-scoped webhook management, CEP webhook clarifications, changelog launch.
→ [View release notes](/products/fincore/changelog/2026-01-05)


## Scope

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)


## Support

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