# 2026-01-28

## Summary

This release updates the documentation to clarify **webhook emission rules** for **Internal Transactions** and to align the **MONEY_IN webhook** reference with actual behavior. In short: `INT_CREDIT` notifications are only emitted for **inbound credits to a different owner**, while **self-transfers** do not generate a `MONEY_IN` webhook event.

## Changed

### Internal Transactions → webhook emission rules — *Changed* [Docs] [Operational]

**Impact:** For `POST /v1/transactions/internal_transaction`:

- The API response returns the **debit leg** (source side).
- The **credit leg may** trigger a `MONEY_IN` webhook **only** when the destination instrument belongs to a **different `owner_id`** than the initiator (**even if the `client_id` is the same**).
- **Self-transfers** under the same `client_id` + `owner_id` **do not** generate a `MONEY_IN` webhook event.
- Documented that dashboard “resend webhook” should be used only when a webhook event exists (self-transfers have nothing to replay).


**Action required:** If your automation expects `MONEY_IN` for every internal transfer, update logic to:

- Not expect `INT_CREDIT` for self-transfers.
- Use the API response and/or transaction reads for self-transfer confirmation and reconciliation.


**References:**

- [Internal Transactions API](https://docs.monato.com/products/fincore/guides/internal-transactions#internal-transactions-api)
- [MONEY_IN webhook event](https://docs.monato.com/products/fincore/fincore-openapi/webhooks/webhookmoneyinpost)


### MONEY_IN webhook reference → internal credits note — *Changed* [Docs]

**Impact:** Updated the `MONEY_IN` webhook documentation to:

- Explicitly state that `INT_CREDIT` is only emitted for inbound credits to a **different owner** (not self-transfers).
- Clarify the meaning of `owner_id` for internal credits (receiving owner).
- Reinforce how to distinguish external vs internal credits using `sub_category` and `payer_institution`.


**Action required:** None. Documentation-only.
**References:**

- [MONEY_IN webhook event](https://docs.monato.com/products/fincore/fincore-openapi/webhooks/webhookmoneyinpost)
- [Internal Transactions API](https://docs.monato.com/products/fincore/guides/internal-transactions#internal-transactions-api)