API 0.2.129

Released into Sandbox: November 11, 2025
Released into Production: November 13, 2025

API 0.2.129 contains various bug fixes and system improvements including the below:

Enhancements

EXTERNAL ORIGINATION TRANSACTIONS: There is now more information available in the /get_transactions response to assist with identifying the originator of the transaction.
The descriptor field will pass along the full string that we receive from the ODFI.
- Is there a way to know exactly what data will be included in this string?
  Unfortunately not. The only requirement financial institutions are obligated to meet is that there is enough information there for the FI to be able to identify the transaction, for example if a customer of that FI reports an issue.
  During our testing, we have found that some more commonly included data includes ACH trace number and reference number, and the name of the ODFI.
- Is there a way to pass along the data as a more formatted object rather than a string?
  No. In addition to there not being a requirement for what pieces of information FI's must pass on, there is also no requirement for FI's to provide the information they do pass along in any particular order.
  As such, there's no good way for the string received from the ODFI to be parsed before it's returned by /get_transactions.
Attempting an RTP pull transaction (RfP) from a linked savings account will now throw an error with a clear failure message in response to the /transact call. Savings accounts can only be credited via instant rails (RTP or FedNow push).
This restriction does not apply to linked checking accounts.
- Ex:
```
{
  "success": false,
  "reference": "4f773d1b-d77d-4f72-b866-ceda69debd90",
  "message": "RTP transaction is not supported with SAVINGS account.",
  "status": "FAILURE"
}
```

Bug Fixes

When linking beneficial owners to business entities, an error will now be thrown in response to /link_business_member if the ownership stakes are less than the minimum required percentage.

Ex:

{
  "success": false,
  "reference": "c6783dd8-77e8-4629-910f-9cb03bde279b",
  "message": "Cannot link beneficial owner at provider 'user_handle2_1762150326': ownership stake  20.0% is below 25%. Note: ownership stake must be provided as an integer percentage (e.g., 25 for 25%, not 0.25). Please update this value to proceed.",
  "status": "FAILURE"
}

Fixed a bug preventing reasons from being returned by /get_verifications/verification_uuid for Advanced KYC users.