Plaid API Changelog

Fintech

Plaid's banking data API — accounts, transactions, auth, identity and payment initiation.

Plaid docs ↗Official OpenAPI spec ↗Last checked Sep 11, 20262 changes tracked

Latest change is breaking

Get emailed when Plaid API changes

We already watch this spec — add your email and we'll alert you on every change, breaking ones first. Free, no credit card, one click to stop.

Change history

Rebuilt automatically from the official OpenAPI spec. Every entry is a real diff — nothing is hand-written.

version 2020-09-14_1.729.1 → 2020-09-14_1.740.1

Change	Type	Severity	Why it matters
`POST /cra/monitoring_insights/subscribe`	endpoint deprecated	Potential	Endpoint POST /cra/monitoring_insights/subscribe is now marked deprecated. Plan a migration before it is removed.
`POST /cra/monitoring_insights/subscribe`	description updated	OK	Summary or description text changed. No contract impact.
`POST /cra/monitoring_insights/unsubscribe`	endpoint deprecated	Potential	Endpoint POST /cra/monitoring_insights/unsubscribe is now marked deprecated. Plan a migration before it is removed.
`POST /cra/monitoring_insights/unsubscribe`	description updated	OK	Summary or description text changed. No contract impact.
`POST /cra/monitoring_insights/get`	endpoint deprecated	Potential	Endpoint POST /cra/monitoring_insights/get is now marked deprecated. Plan a migration before it is removed.
`POST /cra/monitoring_insights/get`	description updated	OK	Summary or description text changed. No contract impact.
`POST /cra/report/get`	response 200 property added	OK	Response 200 field "client_user_id": Added (optional)
`POST /transactions/get`	response 200 property added	OK	Response 200 field "transactions[].allOf[1].running_balance": Added (optional)
`POST /transactions/sync`	response 200 property added	OK	Response 200 field "added[].allOf[1].running_balance": Added (optional)
`POST /sandbox/public_token/create`	request body deprecated changed	Potential	false → true
`POST /sandbox/public_token/create`	request body deprecated changed	Potential	false → true
`POST /protect/report/create`	description updated	OK	Summary or description text changed. No contract impact.
`POST /protect/cash_advance/decision/create`	request body required removed	OK	No longer required: is_taken
`POST /protect/cash_advance/decision/create`	request body property removed	Potential	Removed (was required)
`POST /protect/cash_advance/decision/create`	request body property added	OK	Added (optional)
`POST /protect/cash_advance/decision/create`	request body property added	OK	Added (optional)
`POST /protect/cash_advance/decision/create`	request body property added	OK	Added (optional)
`POST /protect/cash_advance/repayment/create`	request body enum values removed	Breaking	Removed: DELIVERED
`POST /protect/cash_advance/repayment/create`	request body enum values added	OK	Added: PARTIAL_PAYMENT
`POST /protect/cash_advance/repayment/create`	request body required removed	OK	No longer required: amount_paid
`POST /protect/cash_advance/repayment/create`	request body nullable changed	OK	false → true
`POST /protect/compute`	request body property removed	Potential	Removed (was optional)
`POST /protect/compute`	request body property added	OK	Added (optional)
`POST /protect/compute`	description updated	OK	Summary or description text changed. No contract impact.
`POST /protect/event/send`	request body property removed	Potential	Removed (was optional)
`POST /protect/event/send`	request body property added	OK	Added (optional)
`POST /protect/event/send`	request body property removed	Potential	Removed (was optional)
`POST /protect/event/send`	request body property added	OK	Added (optional)
`POST /processor/transactions/get`	response 200 property added	OK	Response 200 field "transactions[].allOf[1].running_balance": Added (optional)
`POST /processor/transactions/sync`	response 200 property added	OK	Response 200 field "added[].allOf[1].running_balance": Added (optional)
`POST /beta/webhook_events/list`	description updated	OK	Summary or description text changed. No contract impact.
`POST /liabilities/get`	description updated	OK	Summary or description text changed. No contract impact.
`POST /user/products/terminate`	description updated	OK	Summary or description text changed. No contract impact.
`POST /user/items/remove`	description updated	OK	Summary or description text changed. No contract impact.
`POST /processor/token/create`	request body enum values removed	Breaking	Removed: paynote
`POST /processor/token/create`	request body enum values added	OK	Added: seamlessach, kikoff_enterprise
`POST /transfer/refund/create`	description updated	OK	Summary or description text changed. No contract impact.
`POST /sandbox/cra/cashflow_updates/update`	description updated	OK	Summary or description text changed. No contract impact.
`POST /sandbox/cra/servicing/simulate`	request body enum values added	OK	Added: PRODUCT_GENERATION_ERROR
`POST /sandbox/cra/servicing/simulate`	request body property added	OK	Added (optional)
`POST /wallet/transaction/execute`	request body property added	OK	Added (optional)
`POST /wallet/transaction/execute`	request body property added	OK	Added (optional)
`POST /wallet/transaction/get`	response 200 property added	OK	Response 200 field "(root).allOf[0].counterparty.holder_category": Added (optional)
`POST /wallet/transaction/get`	response 200 property added	OK	Response 200 field "(root).allOf[0].counterparty.is_verified": Added (optional)
`POST /wallet/transaction/list`	response 200 property added	OK	Response 200 field "transactions[].counterparty.holder_category": Added (optional)
`POST /wallet/transaction/list`	response 200 property added	OK	Response 200 field "transactions[].counterparty.is_verified": Added (optional)
`components/schemas/TransactionsGetResponse.transactions[].allOf[1].running_balance`	property added	OK	Added
`components/schemas/TransactionsSyncResponse.added[].allOf[1].running_balance`	property added	OK	Added
`components/schemas/SandboxPublicTokenCreateRequest.options.transactions.start_date`	deprecated changed	Potential	false → true
`components/schemas/SandboxPublicTokenCreateRequest.options.transactions.end_date`	deprecated changed	Potential	false → true
`components/schemas/SandboxPublicTokenCreateRequestOptions.transactions.start_date`	deprecated changed	Potential	false → true
`components/schemas/SandboxPublicTokenCreateRequestOptions.transactions.end_date`	deprecated changed	Potential	false → true
`components/schemas/SandboxPublicTokenCreateRequestOptionsTransactions.start_date`	deprecated changed	Potential	false → true
`components/schemas/SandboxPublicTokenCreateRequestOptionsTransactions.end_date`	deprecated changed	Potential	false → true
`components/schemas/ProcessorTransactionsGetResponse.transactions[].allOf[1].running_balance`	property added	OK	Added
`components/schemas/ProcessorTransactionsSyncResponse.added[].allOf[1].running_balance`	property added	OK	Added
`components/schemas/ProcessorTokenCreateRequest.processor`	enum values removed	Potential	Removed: paynote
`components/schemas/ProcessorTokenCreateRequest.processor`	enum values added	OK	Added: seamlessach, kikoff_enterprise
`components/schemas/Transaction.(root).allOf[1].running_balance`	property added	OK	Added
`components/schemas/SandboxCraServicingSimulateRequest.options.error_webhook_code`	enum values added	OK	Added: PRODUCT_GENERATION_ERROR
`components/schemas/SandboxCraServicingSimulateRequest.user_id`	property added	OK	Added
`components/schemas/SandboxCraServicingSimulateRequestOptions.error_webhook_code`	enum values added	OK	Added: PRODUCT_GENERATION_ERROR
`components/schemas/SandboxCraServicingSimulateErrorWebhookCode`	enum values added	OK	Added: PRODUCT_GENERATION_ERROR
`components/schemas/WalletTransactionExecuteRequest.counterparty.holder_category`	property added	OK	Added
`components/schemas/WalletTransactionExecuteRequest.counterparty.is_verified`	property added	OK	Added
`components/schemas/WalletTransactionCounterparty.holder_category`	property added	OK	Added
`components/schemas/WalletTransactionCounterparty.is_verified`	property added	OK	Added
`components/schemas/WalletTransactionGetResponse.(root).allOf[0].counterparty.holder_category`	property added	OK	Added
`components/schemas/WalletTransactionGetResponse.(root).allOf[0].counterparty.is_verified`	property added	OK	Added
`components/schemas/WalletTransactionListResponse.transactions[].counterparty.holder_category`	property added	OK	Added
`components/schemas/WalletTransactionListResponse.transactions[].counterparty.is_verified`	property added	OK	Added
`components/schemas/WalletTransaction.counterparty.holder_category`	property added	OK	Added
`components/schemas/WalletTransaction.counterparty.is_verified`	property added	OK	Added
`components/schemas/CraReportGetResponse.client_user_id`	property added	OK	Added
`components/schemas/ProtectComputeRequest.model_inputs.sdk`	property removed	Breaking	Removed
`components/schemas/ProtectComputeRequest.model_inputs.device`	property added	OK	Added
`components/schemas/ProtectModelInputs.sdk`	property removed	Breaking	Removed
`components/schemas/ProtectModelInputs.device`	property added	OK	Added
`components/schemas/ProtectSDKModelInputs`	schema removed	Breaking	Shared schema "ProtectSDKModelInputs" was removed. Endpoints referencing it changed shape.
`components/schemas/ProtectClientSessionStartData`	deprecated changed	Potential	false → true
`components/schemas/ProtectCashAdvanceDecisionCreateRequest.cash_advance`	required removed	Potential	No longer required: is_taken
`components/schemas/ProtectCashAdvanceDecisionCreateRequest.cash_advance.is_taken`	property removed	Breaking	Removed
`components/schemas/ProtectCashAdvanceDecisionCreateRequest.advance_type`	property added	OK	Added
`components/schemas/ProtectCashAdvanceDecisionCreateRequest.previous_advance_count`	property added	OK	Added
`components/schemas/ProtectCashAdvanceDecisionCreateRequest.is_taken`	property added	OK	Added
`components/schemas/CashAdvanceDetails`	schema removed	Breaking	Shared schema "CashAdvanceDetails" was removed. Endpoints referencing it changed shape.
`components/schemas/ProtectCashAdvanceRepaymentCreateRequest.status`	enum values removed	Potential	Removed: DELIVERED
`components/schemas/ProtectCashAdvanceRepaymentCreateRequest.status`	enum values added	OK	Added: PARTIAL_PAYMENT
`components/schemas/ProtectCashAdvanceRepaymentCreateRequest.repayment`	required removed	Potential	No longer required: amount_paid
`components/schemas/ProtectCashAdvanceRepaymentCreateRequest.repayment.amount_paid`	nullable changed	Potential	false → true
`components/schemas/CashAdvanceRepayment`	required removed	Potential	No longer required: amount_paid
`components/schemas/CashAdvanceRepayment.amount_paid`	nullable changed	Potential	false → true
`components/schemas/ProtectEventSendRequest.event.protect_session_id`	property removed	Breaking	Removed
`components/schemas/ProtectEventSendRequest.event.device_session_id`	property added	OK	Added
`components/schemas/ProtectEventSendRequest.protect_session_id`	property removed	Breaking	Removed
`components/schemas/ProtectEventSendRequest.device_session_id`	property added	OK	Added
`components/schemas/ProtectEvent.protect_session_id`	property removed	Breaking	Removed
`components/schemas/ProtectEvent.device_session_id`	property added	OK	Added
`components/schemas/CashAdvanceRepaymentStatus`	enum values removed	Potential	Removed: DELIVERED
`components/schemas/CashAdvanceRepaymentStatus`	enum values added	OK	Added: PARTIAL_PAYMENT
`components/schemas/WalletTransactionCounterpartyHolderCategory`	schema added	OK	Shared schema "WalletTransactionCounterpartyHolderCategory" was added.
`components/schemas/CraReportUpdatedWebhook`	schema added	OK	Shared schema "CraReportUpdatedWebhook" was added.
`components/schemas/CreditProduct`	schema added	OK	Shared schema "CreditProduct" was added.
`components/schemas/ProtectDeviceModelInputs`	schema added	OK	Shared schema "ProtectDeviceModelInputs" was added.
`components/schemas/CashAdvanceInfo`	schema added	OK	Shared schema "CashAdvanceInfo" was added.
`components/schemas/CashAdvanceType`	schema added	OK	Shared schema "CashAdvanceType" was added.
`info.version`	metadata changed	OK	info.version: 2020-09-14_1.729.1 → 2020-09-14_1.740.1

version 2020-09-14_1.708.0 → 2020-09-14_1.729.1

Change	Type	Severity	Why it matters
`POST /cra/servicing/subscription/create`	endpoint added	OK	New endpoint POST /cra/servicing/subscription/create added. Existing consumers are unaffected.
`POST /cra/servicing/subscription/delete`	endpoint added	OK	New endpoint POST /cra/servicing/subscription/delete added. Existing consumers are unaffected.
`POST /cra/servicing/subscription/get`	endpoint added	OK	New endpoint POST /cra/servicing/subscription/get added. Existing consumers are unaffected.
`POST /cra/servicing/subscription/list`	endpoint added	OK	New endpoint POST /cra/servicing/subscription/list added. Existing consumers are unaffected.
`POST /cra/servicing/subscription/update`	endpoint added	OK	New endpoint POST /cra/servicing/subscription/update added. Existing consumers are unaffected.
`POST /sandbox/user/fire_webhook`	endpoint added	OK	New endpoint POST /sandbox/user/fire_webhook added. Existing consumers are unaffected.
`POST /identity/match/list`	endpoint added	OK	New endpoint POST /identity/match/list added. Existing consumers are unaffected.
`POST /protect/cash_advance/decision/create`	endpoint added	OK	New endpoint POST /protect/cash_advance/decision/create added. Existing consumers are unaffected.
`POST /protect/cash_advance/repayment/create`	endpoint added	OK	New endpoint POST /protect/cash_advance/repayment/create added. Existing consumers are unaffected.
`POST /beta/webhook_events/list`	endpoint added	OK	New endpoint POST /beta/webhook_events/list added. Existing consumers are unaffected.
`POST /sandbox/cra/servicing/simulate`	endpoint added	OK	New endpoint POST /sandbox/cra/servicing/simulate added. Existing consumers are unaffected.
`POST /beta/issues/v1/get`	endpoint added	OK	New endpoint POST /beta/issues/v1/get added. Existing consumers are unaffected.
`POST /beta/issues/v1/list`	endpoint added	OK	New endpoint POST /beta/issues/v1/list added. Existing consumers are unaffected.
`POST /beta/issues/v1/match`	endpoint added	OK	New endpoint POST /beta/issues/v1/match added. Existing consumers are unaffected.
`POST /beta/issues/v1/subscribe`	endpoint added	OK	New endpoint POST /beta/issues/v1/subscribe added. Existing consumers are unaffected.
`POST /beta/issues/v1/unsubscribe`	endpoint added	OK	New endpoint POST /beta/issues/v1/unsubscribe added. Existing consumers are unaffected.
`POST /asset_report/get`	response 200 enum values added	Potential	Response 200 field "report.items[].accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /asset_report/get`	response 200 property added	OK	Response 200 field "report.items[].accounts[].investments.holdings[].tax_lots": Added (optional)
`POST /asset_report/refresh`	description updated	OK	Summary or description text changed. No contract impact.
`POST /asset_report/audit_copy/get`	response 200 enum values added	Potential	Response 200 field "report.items[].accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /asset_report/audit_copy/get`	response 200 property added	OK	Response 200 field "report.items[].accounts[].investments.holdings[].tax_lots": Added (optional)
`POST /cra/monitoring_insights/get`	response 200 enum values added	Potential	Response 200 field "items[].accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /cra/check_report/income_insights/get`	security security requirement added	Potential	Endpoint: security requirement added (oauth2)
`POST /cra/check_report/income_insights/get`	security security requirement removed	OK	Endpoint: security requirement removed (oauth2)
`POST /cra/check_report/income_insights/get`	security security scope added	Potential	Endpoint: scope added to "oauth2": cra:read
`POST /cra/check_report/income_insights/get`	security security scope removed	OK	Endpoint: scope removed from "oauth2": cra:report:read
`POST /cra/check_report/base_report/get`	response 200 enum values added	Potential	Response 200 field "report.items[].accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /cra/check_report/base_report/get`	security security requirement added	Potential	Endpoint: security requirement added (oauth2)
`POST /cra/check_report/base_report/get`	security security requirement removed	OK	Endpoint: security requirement removed (oauth2)
`POST /cra/check_report/base_report/get`	security security scope added	Potential	Endpoint: scope added to "oauth2": cra:read
`POST /cra/check_report/base_report/get`	security security scope removed	OK	Endpoint: scope removed from "oauth2": cra:report:read
`POST /cra/check_report/create`	request body enum values added	OK	Added: cra_home_lending
`POST /cra/check_report/create`	description updated	OK	Summary or description text changed. No contract impact.
`POST /cra/check_report/cashflow_insights/get`	security security requirement added	Potential	Endpoint: security requirement added (oauth2)
`POST /cra/check_report/cashflow_insights/get`	security security requirement removed	OK	Endpoint: security requirement removed (oauth2)
`POST /cra/check_report/cashflow_insights/get`	security security scope added	Potential	Endpoint: scope added to "oauth2": cra:read
`POST /cra/check_report/cashflow_insights/get`	security security scope removed	OK	Endpoint: scope removed from "oauth2": cra:report:read
`POST /cra/check_report/lend_score/get`	security security requirement added	Potential	Endpoint: security requirement added (oauth2)
`POST /cra/check_report/lend_score/get`	security security requirement removed	OK	Endpoint: security requirement removed (oauth2)
`POST /cra/check_report/lend_score/get`	security security scope added	Potential	Endpoint: scope added to "oauth2": cra:read
`POST /cra/check_report/lend_score/get`	security security scope removed	OK	Endpoint: scope removed from "oauth2": cra:report:read
`POST /cra/check_report/network_insights/get`	security security requirement added	Potential	Endpoint: security requirement added (oauth2)
`POST /cra/check_report/network_insights/get`	security security requirement removed	OK	Endpoint: security requirement removed (oauth2)
`POST /cra/check_report/network_insights/get`	security security scope added	Potential	Endpoint: scope added to "oauth2": cra:read
`POST /cra/check_report/network_insights/get`	security security scope removed	OK	Endpoint: scope removed from "oauth2": cra:report:read
`POST /cra/check_report/verification/get`	response 200 enum values added	Potential	Response 200 field "report.voa.items[].accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /cra/check_report/verification/get`	response 200 property added	OK	Response 200 field "report.voa.items[].accounts[].investments.holdings[].tax_lots": Added (optional)
`POST /cra/report/get`	request body type changed	Breaking	object → (none)
`POST /cra/report/get`	request body required removed	OK	No longer required: product, version
`POST /cra/report/get`	request body property removed	Potential	Removed (was required)
`POST /cra/report/get`	request body property removed	Potential	Removed (was required)
`POST /cra/report/get`	request body oneOf added	OK	oneOf added with 3 schema(s)
`POST /cra/report/get`	request body discriminator changed	Potential	Discriminator mapping changed
`POST /cra/report/get`	request body property added	OK	Added (optional)
`POST /cra/report/get`	response 200 type changed	Breaking	Response 200 field "report.products[]": object → (none)
`POST /cra/report/get`	response 200 required removed	Potential	Response 200 field "report.products[]": No longer required: product, version, metadata, attributes, errors
`POST /cra/report/get`	response 200 property removed	Breaking	Response 200 field "report.products[].product": Removed (was required)
`POST /cra/report/get`	response 200 property removed	Breaking	Response 200 field "report.products[].version": Removed (was required)
`POST /cra/report/get`	response 200 property removed	Breaking	Response 200 field "report.products[].metadata": Removed (was required)
`POST /cra/report/get`	response 200 property removed	Breaking	Response 200 field "report.products[].attributes": Removed (was required)
`POST /cra/report/get`	response 200 property removed	Breaking	Response 200 field "report.products[].errors": Removed (was required)
`POST /cra/report/get`	response 200 oneOf added	Potential	Response 200 field "report.products[]": oneOf added with 3 schema(s)
`POST /cra/report/get`	response 200 discriminator changed	Potential	Response 200 field "report.products[]": Discriminator mapping changed
`POST /consent/events/get`	response 200 enum values added	Potential	Response 200 field "consent_events[].consented_accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /item/activity/list`	response 200 new required property	OK	Response 200 field "last_data_access_times[]": New required property: contact_info, credit_loan_info
`POST /item/activity/list`	response 200 required removed	Potential	Response 200 field "last_data_access_times[]": No longer required: contact_details, credit_and_loans, payroll_info, transaction_risk_info
`POST /item/activity/list`	response 200 property removed	Breaking	Response 200 field "last_data_access_times[].contact_details": Removed (was required)
`POST /item/activity/list`	response 200 property removed	Breaking	Response 200 field "last_data_access_times[].credit_and_loans": Removed (was required)
`POST /item/activity/list`	response 200 property removed	Breaking	Response 200 field "last_data_access_times[].payroll_info": Removed (was required)
`POST /item/activity/list`	response 200 property removed	Breaking	Response 200 field "last_data_access_times[].transaction_risk_info": Removed (was required)
`POST /item/activity/list`	response 200 property added	OK	Response 200 field "last_data_access_times[].contact_info": Added (required)
`POST /item/activity/list`	response 200 property added	OK	Response 200 field "last_data_access_times[].credit_loan_info": Added (required)
`POST /item/application/list`	response 200 property added	OK	Response 200 field "disconnected_applications": Added (optional)
`POST /item/get`	response 200 enum values added	Potential	Response 200 field "item.allOf[0].available_products[]": Added: cra_home_lending
`POST /auth/get`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /auth/get`	response 200 property added	OK	Response 200 field "accounts[].apy": Added (optional)
`POST /auth/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /transactions/get`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /transactions/get`	response 200 property added	OK	Response 200 field "accounts[].apy": Added (optional)
`POST /transactions/get`	response 200 property added	OK	Response 200 field "transactions[].allOf[1].merchant_category_code": Added (optional)
`POST /transactions/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /cashflow_report/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /cashflow_report/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /cashflow_report/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /cashflow_report/transactions/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /cashflow_report/transactions/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /cashflow_report/transactions/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /cashflow_report/insights/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /cashflow_report/insights/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /cashflow_report/insights/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /transactions/sync`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /transactions/sync`	response 200 property added	OK	Response 200 field "accounts[].apy": Added (optional)
`POST /transactions/sync`	response 200 property added	OK	Response 200 field "added[].allOf[1].merchant_category_code": Added (optional)
`POST /institutions/get`	request body enum values added	OK	Added: cra_home_lending
`POST /institutions/get`	response 200 enum values added	Potential	Response 200 field "institutions[].products[]": Added: cra_home_lending
`POST /institutions/search`	request body enum values added	OK	Added: cra_home_lending
`POST /institutions/search`	response 200 enum values added	Potential	Response 200 field "institutions[].products[]": Added: cra_home_lending
`POST /institutions/get_by_id`	response 200 enum values added	Potential	Response 200 field "institution.products[]": Added: cra_home_lending
`POST /accounts/get`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /accounts/get`	response 200 property added	OK	Response 200 field "accounts[].apy": Added (optional)
`POST /accounts/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /sandbox/public_token/create`	request body enum values added	OK	Added: cra_home_lending
`POST /sandbox/item/fire_webhook`	description updated	OK	Summary or description text changed. No contract impact.
`POST /accounts/balance/get`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /accounts/balance/get`	response 200 property added	OK	Response 200 field "accounts[].apy": Added (optional)
`POST /accounts/balance/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /identity/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /identity/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /identity/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /identity/documents/uploads/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /identity/documents/uploads/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /identity/documents/uploads/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /identity/match`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /identity/match`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /identity/match`	response 200 required added	OK	Response 200 field "accounts[].allOf[1]": Became required: legal_name, phone_number, email_address, address
`POST /identity/match`	response 200 nullable changed	OK	Response 200 field "accounts[].allOf[1].legal_name": true → false
`POST /identity/match`	response 200 required added	OK	Response 200 field "accounts[].allOf[1].legal_name": Became required: score, is_first_name_or_last_name_match, is_nickname_match, is_business_name_detected
`POST /identity/match`	response 200 nullable changed	OK	Response 200 field "accounts[].allOf[1].phone_number": true → false
`POST /identity/match`	response 200 required added	OK	Response 200 field "accounts[].allOf[1].phone_number": Became required: score
`POST /identity/match`	response 200 nullable changed	OK	Response 200 field "accounts[].allOf[1].email_address": true → false
`POST /identity/match`	response 200 required added	OK	Response 200 field "accounts[].allOf[1].email_address": Became required: score
`POST /identity/match`	response 200 nullable changed	OK	Response 200 field "accounts[].allOf[1].address": true → false
`POST /identity/match`	response 200 required added	OK	Response 200 field "accounts[].allOf[1].address": Became required: score, is_postal_code_match
`POST /identity/match`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /beacon/account_risk/v1/evaluate`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /beacon/user/account_insights/get`	response 200 enum values added	Potential	Response 200 field "bank_account_insights.accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/auth/get`	response 200 enum values added	Potential	Response 200 field "account.subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/auth/get`	response 200 property added	OK	Response 200 field "account.apy": Added (optional)
`POST /processor/account/get`	response 200 enum values added	Potential	Response 200 field "account.subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/account/get`	response 200 property added	OK	Response 200 field "account.apy": Added (optional)
`POST /processor/investments/holdings/get`	response 200 enum values added	Potential	Response 200 field "account.allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/investments/holdings/get`	response 200 property added	OK	Response 200 field "account.allOf[0].apy": Added (optional)
`POST /processor/investments/auth/get`	response 200 enum values added	Potential	Response 200 field "account.subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/investments/auth/get`	response 200 property added	OK	Response 200 field "account.apy": Added (optional)
`POST /processor/investments/transactions/get`	response 200 enum values added	Potential	Response 200 field "account.allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/investments/transactions/get`	response 200 property added	OK	Response 200 field "account.allOf[0].apy": Added (optional)
`POST /processor/transactions/get`	response 200 enum values added	Potential	Response 200 field "account.subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/transactions/get`	response 200 property added	OK	Response 200 field "account.apy": Added (optional)
`POST /processor/transactions/get`	response 200 property added	OK	Response 200 field "transactions[].allOf[1].merchant_category_code": Added (optional)
`POST /processor/transactions/sync`	response 200 enum values added	Potential	Response 200 field "account.allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/transactions/sync`	response 200 property added	OK	Response 200 field "account.allOf[0].apy": Added (optional)
`POST /processor/transactions/sync`	response 200 property added	OK	Response 200 field "added[].allOf[1].merchant_category_code": Added (optional)
`POST /processor/liabilities/get`	response 200 enum values added	Potential	Response 200 field "account.subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/liabilities/get`	response 200 property added	OK	Response 200 field "account.apy": Added (optional)
`POST /processor/liabilities/get`	response 200 enum values added	Potential	Response 200 field "liabilities.credit[].aprs[].apr_type": Added: penalty_apr
`POST /processor/liabilities/get`	response 200 property added	OK	Response 200 field "liabilities.loan": Added (optional)
`POST /processor/liabilities/get`	response 200 property added	OK	Response 200 field "liabilities.line_of_credit": Added (optional)
`POST /processor/identity/get`	response 200 enum values added	Potential	Response 200 field "account.allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/identity/get`	response 200 property added	OK	Response 200 field "account.allOf[0].apy": Added (optional)
`POST /processor/identity/match`	response 200 enum values added	Potential	Response 200 field "account.allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/identity/match`	response 200 property added	OK	Response 200 field "account.allOf[0].apy": Added (optional)
`POST /processor/identity/match`	response 200 required added	OK	Response 200 field "account.allOf[1]": Became required: legal_name, phone_number, email_address, address
`POST /processor/identity/match`	response 200 nullable changed	OK	Response 200 field "account.allOf[1].legal_name": true → false
`POST /processor/identity/match`	response 200 required added	OK	Response 200 field "account.allOf[1].legal_name": Became required: score, is_first_name_or_last_name_match, is_nickname_match, is_business_name_detected
`POST /processor/identity/match`	response 200 nullable changed	OK	Response 200 field "account.allOf[1].phone_number": true → false
`POST /processor/identity/match`	response 200 required added	OK	Response 200 field "account.allOf[1].phone_number": Became required: score
`POST /processor/identity/match`	response 200 nullable changed	OK	Response 200 field "account.allOf[1].email_address": true → false
`POST /processor/identity/match`	response 200 required added	OK	Response 200 field "account.allOf[1].email_address": Became required: score
`POST /processor/identity/match`	response 200 nullable changed	OK	Response 200 field "account.allOf[1].address": true → false
`POST /processor/identity/match`	response 200 required added	OK	Response 200 field "account.allOf[1].address": Became required: score, is_postal_code_match
`POST /processor/balance/get`	response 200 enum values added	Potential	Response 200 field "account.subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /processor/balance/get`	response 200 property added	OK	Response 200 field "account.apy": Added (optional)
`POST /item/webhook/update`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /liabilities/get`	response 200 enum values added	Potential	Response 200 field "accounts[].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /liabilities/get`	response 200 property added	OK	Response 200 field "accounts[].apy": Added (optional)
`POST /liabilities/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /liabilities/get`	response 200 enum values added	Potential	Response 200 field "liabilities.credit[].aprs[].apr_type": Added: penalty_apr
`POST /liabilities/get`	response 200 property added	OK	Response 200 field "liabilities.loan": Added (optional)
`POST /liabilities/get`	response 200 property added	OK	Response 200 field "liabilities.line_of_credit": Added (optional)
`POST /liabilities/get`	description updated	OK	Summary or description text changed. No contract impact.
`POST /payment_initiation/payment/create`	request body property added	OK	Added (optional)
`POST /payment_initiation/consent/create`	request body property added	OK	Added (optional)
`POST /user/create`	description updated	OK	Summary or description text changed. No contract impact.
`POST /user/items/get`	response 200 enum values added	Potential	Response 200 field "items[].available_products[]": Added: cra_home_lending
`POST /user/items/associate`	description updated	OK	Summary or description text changed. No contract impact.
`POST /credit/sessions/get`	request body required removed	OK	No longer required: user_token
`POST /credit/sessions/get`	request body type changed	Breaking	(none) → string
`POST /credit/sessions/get`	request body allOf removed	Breaking	allOf removed
`POST /investments/holdings/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /investments/holdings/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /investments/holdings/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /investments/transactions/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /investments/transactions/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /investments/transactions/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /investments/auth/get`	response 200 enum values added	Potential	Response 200 field "accounts[].allOf[0].subtype": Added: charge card, commercial line of credit, home equity loan, installment, prediction market
`POST /investments/auth/get`	response 200 property added	OK	Response 200 field "accounts[].allOf[0].apy": Added (optional)
`POST /investments/auth/get`	response 200 enum values added	Potential	Response 200 field "item.available_products[]": Added: cra_home_lending
`POST /processor/token/create`	request body enum values added	OK	Added: airwallex, cybrid, bizcap, webull
`POST /processor/token/permissions/set`	request body enum values added	OK	Added: cra_home_lending
`POST /processor/token/permissions/get`	response 200 enum values added	Potential	Response 200 field "products[]": Added: cra_home_lending
`POST /item/import`	request body required removed	OK	No longer required: products
`POST /item/import`	request body enum values added	OK	Added: cra_home_lending
`POST /item/import`	request body required removed	OK	No longer required: auth_token
`POST /item/import`	request body deprecated changed	Potential	false → true
`POST /item/import`	request body deprecated changed	Potential	false → true
`POST /item/import`	request body deprecated changed	Potential	false → true
`POST /item/import`	description updated	OK	Summary or description text changed. No contract impact.
`POST /link/token/create`	request body enum values added	OK	Added: cra_home_lending
`POST /link/token/create`	request body enum values added	OK	Added: charge card
`POST /link/token/create`	request body enum values added	OK	Added: commercial line of credit, home equity loan, installment

Showing the first 200 changes of this update.

This is what your consumers wish your API had.

Point us at your own OpenAPI spec and get the same automatic changelog, plus email alerts and breaking-change classification on every release.

Watch your own spec — free Or add the GitHub Action