Transfer instruments
When creating a transfer instrument, an accountIdentification object is now required. This new object comes with a type, which is based on the country of the user’s bank account. Use the type to determine the required fields for every country. For example, for a US bank account, set the type to usLocal. When the type is usLocal, the fields accountNumber and routingNumber are required. For UK bank accounts, the type is ukLocal and the required fields are accountNumber and sortCode. This new object is inside the bankAccount object.

Legal entities
In the responses for POST, PATCH, and GET, we separated the status of capabilities from the problems that you need to resolve. We also grouped together the problems per type of capability.

The problems array is now at the root level of the response body, and it contains verificationErrors and a list of capabilities to which those errors apply.
The capabilities key-value object only shows the status of the capability. It no longer contains the problems and verificationErrors arrays.

Business lines
The service field replaces the capability field. The capability field is now deprecated.

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Platforms and financial products