> ## Documentation Index
> Fetch the complete documentation index at: https://developer.fin.com/llms.txt
> Use this file to discover all available pages before exploring further.

# December 31, 2025

> Changelog for December 31, 2025

## ✨ New Features

1. **FX Rate Validity**\
   The global [FX Rate API](/api-reference/fees-&-fx-rates/fetch-exchange-rates) now returns the validity and
   expiration. (i.e. when the rate will change next)
2. **FX Rate Locking in Single Transfers**\
   The [Create a Transfer](/api-reference/transactions/create-a-transfer) API
   now returns a `quotation` key with the destination currency, amount and developer fee.
3. **FX Rate Locking in Batch Transfers**\
   The [Batch Transfer](/api-reference/transactions/execute-batch-transfer) API now
   transparently quotes the fx rates and developer fees
4. **Fee Calculation API**\
   We introduced the [Fee Calculation](/api-reference/fees-&-fx-rates/calculate-fees) API
5. **Webhook for Liquidation Address Deposit Events**\
   We introduced the [`beneficiary.liquidation.deposit` webhook](/api-reference/webhooks/beneficiary-liquidation-deposit)
   that gets triggered whenever a transaction hits the liquidation address of a beneficiary.
6. **Duplicate Beneficiaries No Longer Allowed**\
   Attempting to [create a beneficiary](/api-reference/beneficiaries/create-beneficiary) with duplicate bank information
   will result in a HTTP `409 Conflict` response.
7. **Off-ramp Transaction List**\
   You can now [List Transactions for a Beneficiary](/api-reference/transactions/list-beneficiary-transactions).
8. **Orchestration Dashboard Now Shows Balance**\
   Check it out on the [Dashboard itself](https://orchestration.fin.com/).
9. **Email Notification if Prefunded Balance Goes Below Threshold**

## 🛠️ Improvements

1. **Improved Beneficiary Details API**
   <Note>Documentation is progress.</Note>

## 🐞 Bug Fixes

1. **Fix: Business Customer Creation Stability**\
   API now gives readable errors when attempting to create a Business
   customer where the associated parties own more than 100% of the business.

## ⚠️ Breaking Changes

1. **FX Rate API No Longer Returns Country Code**\
   The global [FX Rate API](/api-reference/fees-&-fx-rates/fetch-exchange-rates) no longer
   returns the country code in its response.