# 2026-05-07

## Summary

This release extends `POST /v1/transactions/money_out` to automatically detect when the destination instrument belongs to a Finco Pay (Monato) account and route the transaction as an internal book-to-book transfer — no SPEI, near-real-time settlement. No changes to the request body are required. `POST /v1/transactions/internal_transaction` remains fully functional.

## Changed

### Money Out unified routing — *Changed* [Behavior]

**Impact:** `POST /v1/transactions/money_out` now handles both external and internal transfers. When the destination instrument belongs to a Finco Pay account, the system routes the transaction as a book-to-book transfer automatically. The `subCategory` field in the response reflects the routing: `SPEI_DEBIT` for external, `INT_DEBIT` for internal.
**Action required:** None for existing integrations. For new integrations, use `POST /v1/transactions/money_out` exclusively for all outbound transfers.
**References:** `POST /v1/transactions/money_out`

### Money In webhook — `sub_category` updated — *Changed* [Docs]

**Impact:** `INT_CREDIT` can now originate from either `POST /v1/transactions/internal_transaction` or `POST /v1/transactions/money_out` when the destination instrument belongs to a Finco Pay account.
**Action required:** If your webhook consumer filters on `sub_category: INT_CREDIT`, no changes are needed — behavior is the same regardless of the originating endpoint.
**References:** Webhook `MONEY_IN` — `body.sub_category`

## Deprecated

### `POST /v1/transactions/internal_transaction` — *Deprecated* [Operational]

**Impact:** The endpoint remains fully functional with no breaking changes. However, `POST /v1/transactions/money_out` is now the recommended single endpoint for all outbound fund movements, including transfers to Finco Pay accounts.
**Action required:** Migrate to `POST /v1/transactions/money_out` at your own pace. No urgency for existing integrations.
**References:** [Internal Transactions](/products/fincore/guides/internal-transactions)

## Migration notes

1) **New integrations**
  - Use `POST /v1/transactions/money_out` for all outbound transfers — both external (SPEI) and internal (Finco Pay).
  - No flags or extra fields needed; routing is automatic based on the destination instrument.
2) **Existing integrations using `internal_transaction`**
  - No action required. The endpoint remains supported.
  - When ready to migrate, replace calls to `POST /v1/transactions/internal_transaction` with `POST /v1/transactions/money_out` using the same request body structure.