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

# Changelog

<Update label="0.5.1" description="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.
</Update>

<Update label="0.5.0" description="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`.
</Update>

<Update label="0.4.0" description="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.
</Update>

<Update label="0.3.0" description="September 26, 2026">
  * O.J. Embed: components, modes, callbacks and theming.
  * `GET /payouts`.
  * RFC 9457 errors, IETF idempotency keys and W3C trace context.
</Update>

<Update label="0.2.0" description="September 25, 2026">
  * Referrals, fit, document requests, offers, sessions and Standard Webhooks.
</Update>