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# Changelog

All changes to the ModernFi API are documented here in reverse chronological order.
Each entry includes new and updated endpoints, schema changes, deprecations, and removals.
Breaking changes are flagged as such and include migration guidance.
We recommend reviewing this page closely before beginning development or upgrading to a new API version.

## June 8, 2026

# v1.6.4

Happy start of summer from the ModernFi team! See below for our latest API changes.

This release adds account **status filtering**, OAuth-authenticated **PDF statement downloads**, and a refinement to account updates. We recommend reviewing this page closely before beginning development or upgrading to a new API version.

## Updated Endpoints

* **`GET /digital-banking/v1/accounts`** (List Accounts)
  * Added `statuses` query parameter (`AccountStatus` array, optional, repeatable) — filter accounts by status, e.g. `?statuses=OPEN&statuses=SCHEDULED_FOR_CLOSURE`. If omitted, accounts of all statuses are returned.

* **`GET /digital-banking/v1/files/{file_id}`** (Get File)
  * Added `response_type` query parameter (`FileResponseType`, optional, default `presigned_url`). The default returns a JSON pre-signed download URL exactly as before. Pass `response_type=file` to stream the file back directly as raw bytes, with the `Content-Type` derived from the file (e.g. `application/pdf` or `text/csv`). This is useful for environments that cannot fetch pre-signed URLs. This powers OAuth-authenticated PDF statement downloads without a separate pre-signed-URL round trip.

* **`PATCH /digital-banking/v1/accounts/{account_id}`** (Update Account)
  * Removed `account_type` — account type can no longer be changed after creation.

## Schema Changes

* **New enums**
  * `AccountStatus` — `OPEN`, `SCHEDULED_FOR_CLOSURE`, `CLOSED`
  * `FileResponseType` — `presigned_url`, `file`

## May 15, 2026

# v1.6.3

See below for our latest API changes. This release focuses on **accounts and depositors**: secure, on-demand **TIN retrieval** endpoints, a new **List Depositors** endpoint, a batch of new account and depositor fields, and a richer **close-account** response. We recommend reviewing this page closely before beginning development or upgrading to a new API version.

## New Endpoints

**TIN Retrieval** — Dedicated endpoints to fetch full tax identification numbers on demand, so full TINs no longer need to be returned in standard account and depositor responses (those now expose only the last four digits).

* **`GET /digital-banking/v1/depositors/{depositor_id}/tin`** — Retrieve a depositor's full TIN.
* **`GET /digital-banking/v1/accounts/{account_id}/signer-primary-tin`** — Retrieve the primary signer's full TIN for an account.
* **`GET /digital-banking/v1/accounts/{account_id}/beneficiary-tin`** — Retrieve the beneficiary's full TIN for an account.

**Depositors**

* **`GET /digital-banking/v1/depositors`** — List depositors for your institution, with optional `name`, `institution_depositor_id`, and `depositor_type` filters.

## Updated Endpoints

* **`POST /digital-banking/v1/accounts`** (Create Account)
  * Added `signer_primary_tin` (string, optional) — set the primary signer's TIN at creation.
  * Added `account_officer` (string, optional).
  * Added `is_non_interest_bearing` (boolean, optional) — open a non-interest-bearing account.
  * Added `is_receiving_printed_statements` (boolean, optional).
  * Added `custom_field_1`–`custom_field_4` (string, optional) — free-form, institution-defined metadata.

* **`PATCH /digital-banking/v1/accounts/{account_id}`** (Update Account)
  * Added `account_officer` and `custom_field_1`–`custom_field_4` (all optional).

* **`POST /digital-banking/v1/depositors`** (Create Depositor)
  * Added `institution_opt_out_federal_ids` (string array, optional) — institutions to exclude from reciprocation for this depositor.

* **`PATCH /digital-banking/v1/depositors/{depositor_id}`** (Update Depositor)
  * Added `account_ids` (uuid array, optional) — set the depositor's linked accounts.
  * Added `institution_opt_out_federal_ids` (string array, optional).

* **`DELETE /digital-banking/v1/accounts/{account_id}`** (Close Account)
  * Now returns `200 OK` with a `CloseAccountResponse` body (`account_id`, `liquidation_amount`, `scheduled_to_close_date`) instead of `204 No Content`. Clients that treat any 2xx as success are unaffected; those that checked specifically for `204` should update accordingly, and can now read the liquidation amount and scheduled close date directly from the response.

## Schema Changes

* **`AccountResponse`** — added metadata and TIN fields:
  * `is_non_interest_bearing` (boolean), `account_officer` (string, nullable), `cost_center_id` / `cost_center_code` (nullable), and `custom_field_1`–`custom_field_4` (nullable).
  * `signer_primary_tin_last4` and `beneficiary_tin_last4` (string, nullable) — last four digits of the relevant TINs; use the new TIN endpoints for full values.

* **`DepositorResponse`**
  * Added `tin_last_four` (string, nullable) — last four digits of the depositor's TIN; use `GET /digital-banking/v1/depositors/{depositor_id}/tin` for the full value.
  * Added `institution_opt_out_federal_ids` (string array).

* **New schemas:** `AccountTINResponse`, `DepositorTINResponse`, `CloseAccountResponse`

## April 20, 2026

# v1.6.2

See below for our latest API changes. This release introduces **Custom Benchmarks** and **floating / indexed rates** — you can now tie account and pricing-group rates to market reference rates (SOFR, EFFR, Prime, and more) or to your own custom benchmarks, instead of managing fixed rates by hand. We recommend reviewing this page closely before beginning development or upgrading to a new API version.

## New Endpoints

**Custom Benchmarks** — Define and manage your own reference rates, then attach them to accounts and pricing-group rate tiers as a floating-rate index.

* **`GET /digital-banking/v1/custom-benchmarks`** — List all custom benchmarks for your institution, including their current rates.
* **`POST /digital-banking/v1/custom-benchmarks`** — Create a custom benchmark with a `name`, optional `description`, and an initial `rate` (decimal, e.g. `0.0425` for 4.25%).
* **`GET /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}`** — Retrieve a single custom benchmark.
* **`PATCH /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}`** — Update a benchmark's `name` and/or `description`. Does not change its rate.
* **`PUT /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}`** — Set a new `rate`, optionally as of a future `effective_at` timestamp. Accounts indexed to the benchmark update automatically, and historical rates are preserved.
* **`DELETE /digital-banking/v1/custom-benchmarks/{custom_benchmark_id}`** — Delete a custom benchmark.

## Updated Endpoints

* **`POST /digital-banking/v1/accounts`** (Create Account) and **`PATCH /digital-banking/v1/accounts/{account_id}`** (Update Account)
  * Accounts can now be opened or updated as floating-rate, indexed to a market reference rate or a custom benchmark. See the new `rate_configuration` and rate-index fields on `AccountResponse` below.

## Schema Changes

* **`AccountResponse`** — added rate-configuration fields:
  * `rate_configuration` (`RateConfiguration` enum, **required**) — how the account's rate is determined: `FIXED`, `FLOATING_MARKET`, `FLOATING_CUSTOM`, or `TIERED`.
  * `rate` (string, nullable), `index_rate` (string, nullable), and `rate_index_type` (`ReferenceRateType`, nullable) — the resolved rate and, for floating accounts, the market index it tracks.
  * `custom_benchmark_id` (uuid, nullable) and `custom_benchmark_rate` (string, nullable) — the custom benchmark the account is indexed to, if any.
  * `floating_spread`, `floating_spread_bps`, and `floating_rate_percentage` (nullable) — the spread/percentage applied over the index.

* **`InterestRateTier`** and **`PricingGroupRateTier`** (request & response)
  * Added `rate_index_type` (`ReferenceRateType`, nullable), `custom_benchmark_id` (uuid, nullable), and `floating_rate_percentage` (nullable) — rate tiers can now float against a market index or custom benchmark instead of being fixed.

* **New enums**
  * `RateConfiguration` — `FIXED`, `FLOATING_MARKET`, `FLOATING_CUSTOM`, `TIERED`
  * `ReferenceRateType` — market reference rates including `EFFR`, `SOFR_1M`/`SOFR_3M`/`SOFR_6M`/`SOFR_12M`, `CMT_3M`, `WSJ_PRIME`, and Fidelity money-market rates

* **New schemas:** `CreateCustomBenchmarkRequest`, `PatchCustomBenchmarkRequest`, `UpdateCustomBenchmarkRateRequest`

## March 27, 2026

# v1.6.1

See below for our latest API changes. This release extends `StatementResponse` with account and institution identifiers and adds full support for both account and institution statement types to `GET /statements`. It also expands transaction filtering options and adds `is_receiving_printed_statements` to account management. We recommend reviewing this page closely before beginning development or upgrading to a new API version.

### Updated Endpoints

* **`POST /digital-banking/v1/accounts`** (Create Account)
  * Removed `institution_alternative_id` (string, optional) — this field was present in v1.6.0 but has been removed from `CreateAccountRequest` in v1.6.1. Use `PATCH /accounts/{account_id}` to set this field post-creation if needed.

* **`PATCH /digital-banking/v1/accounts/{account_id}`** (Update Account)
  * Added `submitted_by` (string, optional, max 128) — identifies who submitted the update for audit purposes.
  * Added `is_receiving_printed_statements` (boolean, optional) — controls whether the account receives printed statements.
  * Added `cost_center_id` (uuid, optional) — internal cost center assignment.

* **`GET /digital-banking/v1/accounts/{account_id}/transactions`** (List Transactions)
  * Added `start_datetime` and `end_datetime` query parameters (datetime, optional) — timezone-aware datetime filters. Cannot be combined with `start_date`/`end_date`.
  * Added `page` and `page_size` query parameters (integer, optional) — enables paginated responses.
  * Added `timezone` query parameter (string, optional) — timezone for date-based filtering.

### Schema Changes

* **`AccountResponse`**
  * Added `is_receiving_printed_statements` (boolean, required) — indicates whether the account is enrolled in printed statements.

* **`StatementResponse`**
  * Added `account_id` (uuid, nullable) — the ID of the associated account, if applicable.
  * Added `institution_id` (uuid, nullable) — the ID of the associated institution, if applicable.

* **`StatementType`**
  * Added three new enum values: `INSTITUTION_MONTHLY_SETTLEMENT_POSTINGS`, `INSTITUTION_MONTHLY_COST_CENTER_SETTLEMENT_POSTINGS`, `INSTITUTION_MONTHLY_NBID`.

* **`DepositorResponse`**
  * `depositor_type` changed from nullable to **required** — responses will always include this field. If you were handling `null` for `depositor_type`, update your parsing logic accordingly.

* **`CreateTransactionRequest`**
  * `transacted_at` description updated with backdating constraints: must be timezone-aware, within the current calendar month, and must not precede the most recent allocation cutoff (2:00 PM ET on the last business day at or before submission time). No functional change to the field type, but validation behavior may be stricter.

* **`GET /digital-banking/v1/files/statements`**
  * Institution statement types are now fully supported (previously noted as coming in Q1 2026). All of the following `statement_type` values are supported: `ACCOUNT_MONTHLY_SWEEP`, `INSTITUTION_DAILY_SWEEP`, `INSTITUTION_DAILY_RECEIVE`, `INSTITUTION_MONTHLY_INTEREST`, `INSTITUTION_MONTHLY_NBID`, `INSTITUTION_DAILY_GL_POSTINGS`, `INSTITUTION_DAILY_GL_BALANCES`, `INSTITUTION_DAILY_COST_CENTER_POSTINGS`, `INSTITUTION_DAILY_COST_CENTER_BALANCES`, `INSTITUTION_DAILY_TRIAL_BALANCES`, `INSTITUTION_QUARTERLY_CALL_REPORT`, `INSTITUTION_WEEKLY_FR2900`, `INSTITUTION_DAILY_ACCOUNT_HISTORY`, `INSTITUTION_DAILY_TRANSACTION_HISTORY`, `INSTITUTION_DAILY_TRANSACTION_ERRORS`, `INSTITUTION_MONTHLY_SETTLEMENT_POSTINGS`, `INSTITUTION_MONTHLY_COST_CENTER_SETTLEMENT_POSTINGS`. `account_id` is required when requesting account-level statement types; `institution_id` is required when requesting institution-level statement types.

## February 23, 2026

# v1.6.0

See below for our latest API changes.  This minor version upgrade brings improved input validation, additional account and depositor flexibility, and cleanup of deprecated fields and endpoints.

## Updated Endpoints

* **`DELETE /v1/accounts/{account_id}`** (Close Account)
  * Accounts with a non-zero balance are now automatically liquidated before closing. It is no longer necessary to manually zero out the balance before calling this endpoint.

* **`POST /v1/accounts`** (Create Account)
  * `signer_primary` is now optional
  * `interest_rate` is now optional with explicit validation (`0 ≤ rate < 1`)
  * `account_type` now accepts the `AccountType` enum (`MMDA`, `DDA`)
  * Added `is_reciprocation_prioritized` (boolean, default `false`) — prioritize this account for reciprocation
  * Added `program_tags` (string array) — tag accounts with program identifiers

* **`PATCH /v1/accounts/{account_id}`** (Update Account)
  * `depositor_ids` is now optional — you no longer need to include it in every update
  * Added `is_reciprocation_prioritized` (boolean, optional)
  * Added `program_tags` (string array, optional)
  * Added `account_type` (`AccountType` enum, optional)
  * Added `institution_alternative_id` (string, optional, deprecated)

* **`POST /v1/depositors`** (Create Depositor)
  * `internal_depositor_id` has been replaced by `institution_depositor_id`, which was introduced in v1.5.1

* **Input validation improvements** — `maxLength` constraints have been added to string fields across `CreateAccountRequest`, `CreateDepositorRequest`, `CreateTransactionRequest`, `UpdateTransactionRequest`, `AddressData`, and `PhoneNumberData`. `EmailData.email_address` now validates email format, and `AddressData.country_code` requires a two-character ISO 3166-1 alpha-2 code. Notable limits: `account_title` (128), `signer_primary`/`signer_secondary` (64), `beneficiary_tin` (9), `tin` (64), `first_name`/`last_name` (32), transaction `description` (256).

## Schema Changes

* **`AccountResponse`**
  * `signer_primary` is now nullable
  * Added `institution_alternative_id` (string, nullable, deprecated)
  * Added `is_reciprocation_prioritized` (boolean, required)
  * `institution_account_id` is now marked as **deprecated**

* **`DepositorResponse`**
  * `tin` is now nullable and marked **deprecated** — plan to migrate away from reading this field from responses

## Removed Endpoints

* **`GET /v1/accounts/{account_id}/documents/monthly-statements`** — This previously deprecated endpoint has been removed. Use `GET /v1/files/statements` with `statement_type=ACCOUNT_MONTHLY_SWEEP` instead.

## January 9, 2026

# v1.5.2

Happy New Year from the ModernFi team! See below for our latest API changes.

This release introduces **Pricing Groups** — a new resource for managing interest rates at scale across your accounts.
Instead of updating rates on individual accounts one at a time, you can now define reusable rate tier structures and assign them to multiple accounts.
When a group's rates change, all assigned accounts are updated automatically.

## New Endpoints

* **`GET /v1/pricing-groups`** — List all pricing groups for your institution, including account counts and current rate tiers.
* **`POST /v1/pricing-groups`** — Create a new pricing group with rate tiers. Optionally assign accounts at creation time.
* **`GET /v1/pricing-groups/{pricing_group_id}`** — Retrieve details for a specific pricing group.
* **`PATCH /v1/pricing-groups/{pricing_group_id}`** — Update pricing group name and description. Does not affect rates or account assignments.
* **`DELETE /v1/pricing-groups/{pricing_group_id}`** — Delete a pricing group. Fails if accounts are still assigned — unassign them first.
* **`PUT /v1/pricing-groups/{pricing_group_id}/rates`** — Replace rate tiers for a pricing group. New rates cascade to all assigned accounts on the specified effective date, while preserving historical rate data.
* **`POST /v1/pricing-groups/{pricing_group_id}/accounts`** — Assign accounts to a pricing group. Accounts already in another group will be reassigned.
* **`DELETE /v1/pricing-groups/{pricing_group_id}/accounts`** — Unassign accounts from a pricing group. They retain their current rates but no longer receive automatic updates when the group's rates change.

## Updated Endpoints

* **`POST /v1/accounts`** (Create Account)
  * Added `pricing_group_id` (uuid, optional) — assign the account to a pricing group at creation. The group's rate structure will be applied automatically.

## Schema Changes

* **`AccountResponse`**
  * Added `pricing_group_id` (string, nullable) — the pricing group this account belongs to, if any

* **New schemas:** `PricingGroupResponse`, `PricingGroupRateTierRequest`, `PricingGroupRateTierResponse`, `CreatePricingGroupRequest`, `UpdatePricingGroupMetadataRequest`, `UpdatePricingGroupRatesRequest`, `AssignAccountsToPricingGroupRequest`, `UnassignAccountsRequest`, `AccountData`

## October 27, 2025

# v1.5.1

Fall updates are here! See below for our latest API changes.

This release adds depositor update support, account monthly statement configuration, tiered interest rates on accounts, and a batch of new optional fields across account and depositor schemas.
We've also expanded the `StatementType` enum to cover a wider range of institutional reporting needs.

## New Endpoints

**Monthly Statement Configuration** — Three new endpoints for managing the layout and content of account monthly statements.

* **`GET /v1/files/account-monthly-statement-config`** — Retrieve the current statement configuration for your institution.
* **`POST /v1/files/account-monthly-statement-config`** — Create or update statement configuration including title, disclosures, contact info, closing paragraph, regulatory mark display, and account ID masking.
* **`GET /v1/files/preview-account-monthly-statement`** — Preview a rendered statement using the current configuration.

**Depositor Updates**

* **`PATCH /v1/depositors/{depositor_id}`** — Update depositor details. Supports updating name, contact information, `institution_depositor_id`, `depositor_type`, `ownership_category`, `account_officer`, `notes`, and `approval_status`.

## Updated Endpoints

* **`POST /v1/accounts`** (Create Account)
  * Added `interest_rate_tiers` (array of `InterestRateTierRequest`, optional) — define balance-based rate tiers. If only one tier is needed, continue using the `interest_rate` field.
  * Added `is_apy` (boolean, default `false`) — indicates whether the rate is an APY vs. nominal interest rate
  * Added `depositor` (`CreateDepositorRequest`, optional) — create and link a new depositor inline during account creation
  * Added `shadow_account` (`ShadowAccountRequest`, optional) — configure a shadow account
  * Added `managed_sweep_target_balance` (number/string, optional) — target balance for managed sweep accounts
  * Added `account_agreement_file_data` (string, optional) — base64-encoded PDF, max 25MB
  * Added `notes` (string, optional, max 256)
  * Added `institution_cost_center_id`, `institution_alternative_id`, `submitted_by` (all string, optional)

* **`PATCH /v1/accounts/{account_id}`** (Update Account)
  * Added `account_title`, `signer_primary`, `signer_secondary`, `beneficiary_name`, `institution_sweep_account_id`, `institution_return_account_id` — these fields are now updatable via PATCH
  * Added `managed_sweep_target_balance`, `notes`, `institution_cost_center_id`, `submitted_by` (all optional)

* **`POST /v1/depositors`** (Create Depositor)
  * Added `account_ids` (uuid array, optional) — link existing accounts at depositor creation
  * Added `depositor_type` (`DepositorType` enum, optional)
  * Added `ownership_category` (`OwnershipCategory` enum, optional)
  * Added `account_officer` (string, optional, max 128)
  * Added `notes` (string, optional, max 256)

* **`POST /v1/accounts/{account_id}/transactions`** (Create Transaction)
  * Added `submitted_by` (string, optional, max 128)

* **`GET /v1/files/statements`** (Get Statements)
  * Only account statements (`ACCOUNT_MONTHLY_SWEEP`) are available at this time. Institution statement support is planned for Q1 2026.

## Schema Changes

* **`AccountResponse`**
  * Added `interest_rate_tiers` (array of `InterestRateTierResponse`) — returns the account's rate tier structure
  * Added `shadow_account` (`ShadowAccountResponse`, nullable)
  * Added `managed_sweep_target_balance` (string, nullable)
  * Added `notes` (string, nullable)

* **`DepositorResponse`**
  * Added `depositor_type` (`DepositorType` enum, nullable)
  * Added `ownership_category` (`OwnershipCategory` enum, nullable)
  * Added `account_officer` (string, nullable)
  * Added `notes` (string, nullable)

* **`StatementType`** — 10 new enum values added:
  * `INSTITUTION_DAILY_GL_POSTINGS`, `INSTITUTION_DAILY_GL_BALANCES`, `INSTITUTION_DAILY_COST_CENTER_POSTINGS`, `INSTITUTION_DAILY_COST_CENTER_BALANCES`, `INSTITUTION_DAILY_TRIAL_BALANCES`, `INSTITUTION_QUARTERLY_CALL_REPORT`, `INSTITUTION_WEEKLY_FR2900`, `INSTITUTION_DAILY_ACCOUNT_HISTORY`, `INSTITUTION_DAILY_TRANSACTION_HISTORY`, `INSTITUTION_DAILY_TRANSACTION_ERRORS`

* **New enums:**
  * `DepositorType` — `CONSUMER`, `BUSINESS`, `NONPROFIT`, `LOCAL_GOVERNMENT`, `FEDERAL_GOVERNMENT`, `US_DEPOSITORY`, `FOREIGN_DEPOSITORY`, `FOREIGN_GOVERNMENT`
  * `OwnershipCategory` — 16 values covering consumer, business, nonprofit, government, and depository ownership types
  * `ApprovalStatus` — `PENDING`, `APPROVED`, `REJECTED`

## August 5, 2025

# v1.5.0

Happy summer from the ModernFi team! See below for our latest API updates.

This update removes **legacy ledger transaction support** and introduces enhancements that align with new account routing features and improved reconciliation workflows. These changes pave the way for more seamless integrations with external financial systems.

## Removed Endpoints

* **`GET /v1/accounts/{account_id}/ledger-transactions`** — Deprecated and removed. This endpoint previously returned raw ledger transaction data.

## Updated Endpoints

* **`GET /v1/accounts/{account_id}/documents/monthly-statements`** — Updated request/response schema to support richer metadata and future extensibility.

* **`GET /v1/accounts/{account_id}/transactions`** — Response schema updated to include new institution metadata fields.

* **`PATCH /v1/accounts/{account_id}/transactions/{transaction_id}`** — Now accepts `institution_transaction_id` in the request payload for improved traceability.

## Schema Changes

* Additional metadata fields introduced across document and transaction schemas to support future expansion.

## February 15, 2025

# v1.3.0

This update introduces **file retrieval functionality** with two new `/files` endpoints for fetching statements and downloading files via presigned URLs. It also includes schema refinements for transactions and improved documentation.

## New Endpoints

* **`GET /v1/files/statements`** — Retrieve available statements for accounts.
* **`GET /v1/files/{file_id}`** — Generate presigned URLs for secure file downloads.

## Schema Changes

* Enhanced transaction schema with additional metadata fields
* Improved validation rules for transaction records
* Better error messages for failed operations

## Documentation

* Comprehensive examples for file download workflows
* Updated API reference with detailed parameter descriptions
* Added best practices for file handling and storage

## January 20, 2025

# v1.2.0

This update adds support for institution-specific account IDs and provides additional metadata in transaction responses. No breaking changes in this release.

## Updated Endpoints

* **Institution-Specific Account IDs** — Added support for custom account identifier formats, improved account lookup and validation, and enhanced cross-referencing between internal and external account IDs.

* **Transaction Response Metadata** — Transaction responses now include additional metadata fields for improved tracking, reconciliation, and audit trail capabilities.

## Improvements

* Optimized query performance for account lookups
* Reduced latency for transaction record creation
* Improved API response times across all endpoints

## January 5, 2025

# v1.1.0

Happy New Year from the ModernFi team! We're kicking off the year with a minor version upgrade.

## Improvements

* Enhanced API stability and performance
* Improved error handling and response messages
* Updated internal monitoring and logging systems
* Minor bug fixes and optimizations

## December 15, 2024

# v1.0.3

December updates to the ModernFi API.

## Improvements

* Improved rate limiting documentation
* Updated authentication token refresh logic
* Minor performance optimizations
* Bug fixes and stability improvements

## November 20, 2024

# v1.0.2

November updates to the ModernFi API.

## Improvements

* Enhanced API documentation with additional examples
* Improved error response consistency across endpoints
* Updated rate limit headers
* Performance optimizations for reporting endpoints
* Bug fixes and minor enhancements

## November 1, 2024

# v1.0.1

Welcome to the developer hub and documentation for ModernFi!

We're pleased to announce the first official release of the ModernFi API, providing comprehensive access to our deposit network platform.

## Initial Release

### Core Features

* **Authentication** — Secure OAuth 2.0 authentication flow
* **Account Management** — Create and manage depositor accounts
* **Transaction Records** — Record and track deposit movements
* **Sweep Operations** — Automated deposit sweeps into the network
* **Interest Calculations** — Transparent interest accrual and payments
* **Reporting** — Daily and monthly reporting endpoints

### Available Endpoints

* Account creation and management
* Transaction record endpoints
* Daily and monthly reporting
* Balance inquiries
* Interest calculations

### Getting Started

Review our [Getting Started](/getting-started) guide to begin integrating with the ModernFi API. For testing, we provide a full-featured [Sandbox](/using-sandbox) environment.