> ## 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.

# October 2, 2026

> Changelog for October 2, 2026

<Note>
  **Idempotency keys:** V3 transaction write endpoints require an `X-Idempotency-Key` header. V1 and V2 transaction endpoints are unchanged and remain available.
</Note>

## ✨ New Features

### Transactions

1. **V3 Transaction Endpoints with Idempotency Keys**
   V3 versions of the transaction endpoints are now available. Request bodies and responses are the same as the existing endpoints. The only change is that write endpoints now require an `X-Idempotency-Key` header.

   * `X-Idempotency-Key` — required on V3 write endpoints. Send a unique key for each new request, up to 255 characters. Example: `3f1c9a2e-7b4d-4e8a-9c21-5d6f0b8e1a47`

   | V3 endpoint | Based on | `X-Idempotency-Key` |
   | - | - | - |
   | `POST /v3/transactions/transfer-payout` — [Create a Transfer V3](/api-reference/transactions/create-a-transfer-v3) | `POST /v2/transactions/transfer-payout` | Required |
   | `POST /v3/transactions/transfer-payout/settle` — [Settle a Transfer V3](/api-reference/transactions/settle-a-transfer-v3) | `POST /v2/transactions/transfer-payout/settle` | Required |
   | `POST /v3/batch/transactions/commit` — [Execute Batch Transfer V3](/api-reference/transactions/execute-batch-transfer-v3) | `POST /v1/batch/transactions/commit` | Required |
   | `POST /v3/transactions` — [Execute Quote V3](/api-reference/transactions/execute-quote-v3) | `POST /v2/transactions` | Required |
   | `POST /v3/transactions/quote` — [Create Quote V3](/api-reference/transactions/create-quote-v3) | `POST /v2/transactions/quote` | Not required |
   | `GET /v3/transactions` — [List Customer Transactions V3](/api-reference/transactions/list-customer-transactions-v3) | `GET /v2/transactions` | Not required |
   | `GET /v3/transactions/{transaction_id}` — [Fetch Transaction Details V3](/api-reference/transactions/fetch-transaction-details-v3) | `GET /v2/transactions/{transaction_id}` | Not required |

   Transfers created with [Create a Transfer V3](/api-reference/transactions/create-a-transfer-v3) must be settled with [Settle a Transfer V3](/api-reference/transactions/settle-a-transfer-v3).

## 🛠️ Improvements

### Virtual Accounts

1. **Minimum Deposit for USD Virtual Accounts**
   The minimum deposit amount for USD virtual accounts is 50 USD. This is now stated on [Create Virtual Account V3](/api-reference/virtual-accounts/create-virtual-account-v3) and [Create Virtual Account V2](/api-reference/virtual-accounts/create-virtual-account-v2).

### Beneficiaries

1. **Minimum Amount for USD Beneficiaries**
   The minimum amount for USD beneficiaries is 50 USD. This is now stated on [Create Beneficiary V3](/api-reference/beneficiaries/create-beneficiary-v3) and [Create Beneficiary V2](/api-reference/beneficiaries/create-beneficiary-v2).


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