> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fernhq.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Changelog

> Product updates and announcements

<Update label="January 22, 2026" description="v1.0.0">
  ## Exchange Rates

  ### Changed

  * **Guaranteed Quote FX Spread:** Transactions with `guaranteedQuote` set to `true` that involve foreign exchange (FX) now have an additional 5bps spread applied to the exchange rate. This spread allows Fern to guarantee the output amount for the duration of the quote.
</Update>

<Update label="December 8, 2025" description="v1.0.0">
  ## API changes

  ### Breaking Changes

  * **National ID Fields Required:** As part of the deprecation of `taxIdNumber`, the `nationalIdType`, `nationalIdNumber`, and `nationalIdIssuingCountry` fields are now required when creating customers via POST with `kycData`. These fields must be provided together in the KYC data for customer verification to proceed.

  **Impact:**

  * POST requests with `kycData` that are missing any of the three national ID fields will be rejected
  * PATCH requests: If any one of these fields is provided, all three must be provided together
</Update>

<Update label="November 28, 2025" description="v1.0.0">
  ## API changes

  ### Added

  * **Expanded Business Types:** The `businessType` enum has been expanded to support granular legal entities. You can now use the following specific types:
    * `B_CORPORATION`, `C_CORPORATION`, `S_CORPORATION`, `CLOSE_CORPORATION`
    * `COOPERATIVE`, `NONPROFIT_CORPORATION`
    * `GENERAL_PARTNERSHIP`, `LIMITED_PARTNERSHIP`, `LIMITED_LIABILITY_PARTNERSHIP`
    * `LIMITED_LIABILITY_COMPANY`
    * `SOLE_PROPRIETORSHIP`, `TRUST`, `OTHER`, `INDIVIDUAL`

  ### Breaking Changes

  * **Business Type Aliases Removed:** Alias values for `businessType` are no longer accepted. Use only canonical values.

  **Impact:**

  * API requests using alias values will be rejected
  * API responses will only return canonical values
</Update>

<Update label="November 21, 2025" description="v1.0.0">
  ## API changes

  ### Added

  * **Verification Issues:** A new `verificationIssues` property is now available on the `customer.update` webhook and the GET `/customer/{id}` endpoint. This property provides detailed information about any verification issues that require attention, helping you understand what information needs to be corrected or provided. See [Verification Issues](/docs/create-and-verify-customers/verification-issues) for more details.

  ### Changed

  * **Address Validation:** Updated minimum character requirements for `addressLine1` and `addressLine2` fields to 4 characters to improve data quality.
  * **State Codes:** Fixed outdated state codes for China in the `address.stateCode` property to ensure accurate address validation.

  ## Hosted Forms

  ### Fixed

  * **Email Notifications:** Resolved issue where email links were being incorrectly sent to KYB beneficiary owners.

  ### Changed

  * **Street Address Length:** Increased street address field character limit to 100 characters to accommodate longer addresses.
  * **iFrame Support:** Hosted forms can now be embedded and loaded within iframes for improved integration flexibility.
  * **Hosted Forms:** Customers with `NEEDS_ADDITIONAL_INFORMATION` status can now refill KYC/KYB forms in hosted forms.
</Update>

<Update label="November 19, 2025" description="v1.0.0">
  ## API changes

  ### Added

  * **Available Payment Methods:** GET `/customer/{id}` now supports `?includePaymentMethods=true`. When enabled, the response includes an availablePaymentMethods array listing all payment methods accessible to the customer.

  ### Changed

  * **Exchange Rate Fees:** Fees returned from the exchange rate endpoint now display fees in the source currency. This makes it easier for integrators to understand costs without converting values manually.
</Update>

<Update label="November 7, 2025" description="v1.0.0">
  These changes will be effective as of **November 14, 2025**

  ## API changes

  ### Removed

  * Removed the deprecated kycLink field from all customer-related schemas. Integrations should use the verificationLink field instead.
  * Removed the following deprecated fields from KYC schemas and internal API definitions:
    * `middleName`
    * `taxIdNumber`
    * `title`

  ### Changed

  * Address Validation: Updated address validation rules to require a minimum length of 4 characters for the `streetLine1`, and `streetLine2` fields to improve data quality.
  * Request Limits: Increased the maximum request payload size limit to 100 MB.

  ### KYC and KYB Verification Changes

  * Customer profile is updatable when in `NEEDS_ADDITIONAL_INFORMATION` status.  This allows the customer profile details to be changed and verification to be automatically restarted taking into account the new details.
  * Address validation of postal codes updated.
    * Affects Egypt, Argentina, United Kingdom
  * Customer KYC and KYB Verification guides updated
</Update>