Changelog

September 28, 2026

Offers are accepted and signed by the borrower on O.J.’s screen. POST /referrals/{id}/offers/{offer_id}/accept is removed.
needs_borrower means the borrower has a to-do; needs_partner means your team does.
Clearer API reference titles, and every webhook documents when it fires and what data contains.

September 28, 2026

One experience: Embed renders only what the API returns.
progress (Received, Documents, In review, Offer, Funded) and todos on every referral. status_group removed; status_label now uses the step names.
matches: named lenders with estimated limits. GET /referrals/{id}/fit removed; POST /fit_checks is now POST /match_checks.
Soft credit check: credit on the referral and the authorize_credit to-do. SSNs are entered only on O.J.’s screen.
Plaid for statements and the funding account (connect_bank purpose, funding_account_auth offer condition).
outcome for declined and closed referrals, and funded now includes the account and the lender’s contact.
New event referral.matches_updated, replacing referral.fit_updated.

September 27, 2026

Conversations: GET /referrals/{id}/conversation, plus GET and POST /referrals/{id}/messages.
Channel connectors and the contact_channels policy.
Next actions include due_at and reminders. New event referral.reminder_due.
Server-sent event streams and per-referral webhooks.
Program endpoints for lenders: submissions, decisions and funding.
GET and PUT /partner/policy.
New Embed conversation component.

September 26, 2026

September 25, 2026