> ## 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.

# September 9, 2026

> Changelog for September 9, 2026

<Warning>
  **Deprecations:** Everything listed under Deprecations and Removals below is deprecated and no longer documented. The V1 customer, beneficiary, virtual account, and transaction endpoints reached their stated deprecation date of September 1, 2026. Migrate to the replacements before your next release.
</Warning>

## ✨ New Features

### Virtual Accounts

1. **New Endpoint: `POST /v3/customers/{customer_id}/virtual-accounts`**
   [Create Virtual Account](/api-reference/virtual-accounts/create-virtual-account-v3) issues a virtual account for a customer and now lets you choose the banking partner that receives the fiat deposit.
   * `source.bank` — required. Accepts `SSB` and `PORTAGE`. The banks available to you depend on your configuration, and not every bank supports every source rail.
   * The create response now returns `deposit_instructions`, `destination`, and `bank`. `customer_id` and `created_at` are no longer returned on create.

2. **New Endpoint: `GET /v3/customers/{customer_id}/virtual-accounts`**
   [List Virtual Accounts](/api-reference/virtual-accounts/list-virtual-accounts-v3) returns a paginated list of every virtual account belonging to a customer.

3. **New Endpoint: `GET /v3/customers/{customer_id}/virtual-accounts/{va_id}`**
   [Get Virtual Account Details](/api-reference/virtual-accounts/get-virtual-account-details) returns the full record for a single virtual account, including the deposit instructions the customer funds it with and the crypto destination the deposits settle to. There is no earlier equivalent for this endpoint.

### Beneficiaries

1. **New Field: `intermediary_routing_number`**
   [Create Beneficiary](/api-reference/beneficiaries/create-beneficiary-v3) accepts `receiver_meta_data.intermediary_routing_number`, the routing number of an intermediary bank when a payout has to be routed through one before it reaches the beneficiary bank. This field is required for SWIFT payouts.

## 🛠️ Improvements

### Beneficiaries

1. **Request Examples Split by Rail**
   The bank beneficiary example on [Create Beneficiary](/api-reference/beneficiaries/create-beneficiary-v3) has been replaced with two examples: a local rail example using `bank_account.scheme` `LOCAL` with a `FEDWIRE` routing number, and an international rail example using `bank_account.scheme` `SWIFT` with a SWIFT BIC. Both examples now use the `ETHEREUM` rail for `deposit_instruction` and `refund_instruction`.

2. **USD ACH Payouts Coming Soon**
   USD ACH payouts are not yet available. This is now stated on [Create Beneficiary](/api-reference/beneficiaries/create-beneficiary-v3).

### Supported Currencies and Rails

1. **`EURC` Removed From Currency Enums**
   `EURC` is no longer accepted and has been removed from the currency enums on the following endpoints. `USDC` and `USDT` are unaffected.
   * [Create Beneficiary](/api-reference/beneficiaries/create-beneficiary-v3) — `deposit_instruction.currency`, `refund_instruction.currency`, and the external crypto wallet token list
   * [Create Virtual Account](/api-reference/virtual-accounts/create-virtual-account-v3) — `destination.currency`
   * [Create Customer Wallets](/api-reference/customers/create-customer-wallets) — `currency`

2. **`FEDNOW` and `SEPA` Removed From Virtual Account Source Rails**
   `source.rail` on [Create Virtual Account](/api-reference/virtual-accounts/create-virtual-account-v3) now accepts `ACH`, `SWIFT`, `FEDWIRE`, and `SPEI`. `FEDNOW` and `SEPA` have been removed.

3. **Capabilities Response Examples Updated**
   The response examples on [Get Customer Capabilities](/api-reference/customers/get-customer-capabilities) no longer include `EURC` tokens, the `FEDNOW` on-ramp rail, or `SEPA` off-ramp routes.

## 🗑️ Deprecations and Removals

1. **Endpoints Deprecated and Removed After the September 1, 2026 Deprecation Date**

   | Resource                    | Removed endpoint                                    | Replacement                                                                                                                             |
   | --------------------------- | --------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------- |
   | Create individual customer  | `POST /v1/customers/individual`                     | `POST /v2/customers/individual` — [reference](/api-reference/customers/create-individual-customer-v2)                                   |
   | Attach individual documents | `POST /v1/customers/individual/attach`              | `POST /v2/customers/{customer_id}/individual/attach` — [reference](/api-reference/customers/attach-documents-to-individual-customer-v2) |
   | Get customer details        | `GET /v1/customers/{customer_id}`                   | `GET /v2/customers/{customer_id}` — [reference](/api-reference/customers/get-customer-details-v2)                                       |
   | Create beneficiary          | `POST /v2/beneficiaries`                            | `POST /v3/beneficiaries` — [reference](/api-reference/beneficiaries/create-beneficiary-v3)                                              |
   | Create virtual account      | `POST /v2/customers/{customer_id}/virtual-accounts` | `POST /v3/customers/{customer_id}/virtual-accounts` — [reference](/api-reference/virtual-accounts/create-virtual-account-v3)            |
   | List virtual accounts       | `GET /v2/customers/{customer_id}/virtual-accounts`  | `GET /v3/customers/{customer_id}/virtual-accounts` — [reference](/api-reference/virtual-accounts/list-virtual-accounts-v3)              |
   | Fetch transaction details   | `GET /v1/transactions/{transaction_id}`             | `GET /v2/transactions/{transaction_id}` — [reference](/api-reference/transactions/fetch-transaction-details-v2)                         |

   `PATCH /v1/customers/{customer_id}` — [Patch Customer RFI](/api-reference/customers/patch-customer-rfi) is unaffected and remains available.

2. **V1 Virtual Account Webhooks Deprecated**
   The `virtual_account.created` and `virtual_account.status` events are deprecated and no longer documented. Subscribe to the `.v2` events instead, which carry the same fields plus `rfi` and `developer_fee_fixed`.

   | Deprecated event          | Replacement                                                                                    |
   | ------------------------- | ---------------------------------------------------------------------------------------------- |
   | `virtual_account.created` | `virtual_account.created.v2` — [reference](/api-reference/webhooks/virtual-account-created-v2) |
   | `virtual_account.status`  | `virtual_account.status.v2` — [reference](/api-reference/webhooks/virtual-account-status-v2)   |

   Both event names have been removed from the `type` enum on the webhook event envelope. The `status` values differ between the two versions: the deprecated events returned `ACTIVE`, `INACTIVE`, and `SUSPENDED`, while the `.v2` events return `PROCESSING`, `IN_COMPLIANCE`, `REQUEST_FOR_INFORMATION`, `ACTIVE`, `INACTIVE`, and `DECLINED`. All other webhook events are unaffected.