Release 1.32.0

We’ve updated developer endpoints, simplified customer onboarding, and changed how supporting documents are attached to transfers.

⚠️
Existing Endpoints Support ends on 30th October.
Existing endpoints and deprecated fields will remain supported during the transition period. Support ends on 30 October. Update your integration before this date.

Summary:

1. Customer onboarding changes - POST /api/v1/customers

BEFORE (supports end on 30th October)

{
  "businessLegalName": "string",
  "businessTradeName": "string",
  "taxIdentificationNumber": "string",
  "website": "string",
  "incorporationDate": "1999-03-21",
  "companyRegistrationNumber": "string",
  "businessIndustries": ["AccountFunding"],
  "businessModel": "string",
  "customerJurisdictions": ["NG", "GB"],
  "regulatedEntity": "string",
  "notRegulatedReason": "string",
  "sourceOfFunds": "string",
  "accountPurpose": "string",
  "email": "string",
  "transactionOriginCountries": ["GB"],
  "transactionDestinationCountries": ["GB", "NG"],
  "companySourceOfWealthExplanation": "string",
  "shareholdersSourceOfWealthExplanation": "string",
  "fundingSourceExplanation": "string",
  "countryOfIncorporation": "GA",
  "registeredAddress": {
    "street1": "string",
    "city": "string",
    "country": "CA"
  },
  "operationalAddress": {
    "street1": "string",
    "city": "string",
    "country": "CA"
  },
  "contactPerson": {
    "firstName": "string",
    "lastName": "string",
    "phoneNumber": "+44791234560",
    "email": "string"
  },
  "businessIndustryType": "CorporateOrMerchant",
  "withLivenessCheck": true,
  "termsOfServiceAcceptance": {
    "date": "2025-07-28T20:00:44.191Z",
    "ipAddress": "201.221.240.218"
  },
  "customerBaseBreakdown": "Retail",
  "isBusinessRegulated": true,
  "compliance": {
    "hasFinancialCrimeHistoryLast5Years": false,
    "isNegativeNewsAndSanctionsScreeningPerformed": false,
    "isTransactionMonitoringOrBlockchainAnalyticsPerformed": true,
    "isKYCPerformed": true,
    "financialCrimeProceedingsDescription": "string",
    "negativeNewsAndSanctionsVendor": "string",
    "transactionMonitoringOrBlockchainAnalyticsVendor": "string",
    "kycVendor": "string"
  },
  "transactionBreakdown": {
    "stablecoinTxCountMonthly": "Range1To10",
    "incomingStablecoinAvgUsdValue": "Usd15kTo50k",
    "outgoingStablecoinTxCountMonthly": "Range1To10",
    "outgoingStablecoinAvgUsdValue": "Usd15kTo50k",
    "incomingAchTxCountMonthly": "Range1To10",
    "incomingAchAvgUsdValue": "Usd15kTo50k",
    "outgoingAchTxCountMonthly": "Range1To10",
    "outgoingAchAvgUsdValue": "Usd15kTo50k",
    "incomingDomesticWireTxCountMonthly": "Range1To10",
    "incomingDomesticWireAvgUsdValue": "Usd15kTo50k",
    "outgoingDomesticWireTxCountMonthly": "Range1To10",
    "outgoingDomesticWireAvgUsdValue": "Usd15kTo50k",
    "incomingInternationalWireTxCountMonthly": "Range1To10",
    "incomingInternationalWireAvgUsdValue": "Usd15kTo50k",
    "outgoingInternationalWireTxCountMonthly": "Range1To10",
    "outgoingInternationalWireAvgUsdValue": "Usd15kTo50k",
    "estimatedMonthlyVolumeUsd": "Usd500kTo1m",
    "transactionTypes": ["StablecoinTransactions"],
    "preferredSettlementCurrencies": ["USD"]
  }
}

AFTER

{
  "businessLegalName": "string",
  "businessTradeName": "string",
  "taxIdentificationNumber": "string",
  "website": "https://example.com",
  "incorporationDate": "1999-03-21",
  "countryOfIncorporation": "GB",
  "companyRegistrationNumber": "string",
  "registeredAddress": {
    "street1": "string",
    "postalCode": "string",
    "city": "string",
    "state": "string",
    "country": "GB"
  },
  "operationalAddress": {
    "street1": "string",
    "postalCode": "string",
    "city": "string",
    "state": "string",
    "country": "GB"
  },
  "contactPerson": {
    "firstName": "string",
    "lastName": "string",
    "phoneNumber": "+`44791234560`",
    "email": "[email protected]"
  },
  "businessIndustries": ["VirtualDigitalGoods"],
  "withLivenessCheck": true,
  "businessModel": "string",
  "termsOfServiceAcceptance": {
    "date": "2025-07-28T20:00:44.191Z",
    "ipAddress": "201.221.240.218"
  },
  "customerJurisdictions": ["GB", "NG", "US"],
  "accountPurpose": "string",
  "email": "string",
  "transactionOriginCountries": ["GB", "NG"],
  "transactionDestinationCountries": ["GB", "NG"],
  "transactionBreakdown": {
    "estimatedMonthlyVolumeUsd": "Usd500kTo1m",
    "averageUsdValueIncomingPayments": "Usd100kTo250k",
    "averageUsdValueOutgoingPayments": "Usd100kTo250k",
    "estimatedIncomingPaymentsPerMonth": "Range1To15",
    "estimatedOutgoingPaymentsPerMonth": "Range30To50"
  },
  "naicsCode": "423620",
  "companySourceOfWealth": "BusinessProfits",
  "accountFundingSource": "OperatingIncome"
}

2. Customer onboarding documents - POST /api/v1/customers/customerId/documents

BEFORE (supports end on 30th October)

The following file types have been removed:

OrganizationChart
OwnershipChart
ComplianceOfficerCV
IndependentAmlAudit
AmlPolicy
RegulatoryLicenses

AFTER

New required file type introduced - BankStatements

3. Current tenant renamed to developer

BEFORE (supports end on 30th October)

GET /api/v1/current-tenant
GET /api/v1/current-tenant/webhook-config
GET /api/v1/current-tenant/balances
PATCH /api/v1/current-tenant/webhook-config
GET /api/v1/current-tenant/crypto-instruction/{network}/{asset}

After

GET /api/v1/developer
GET /api/v1/developer/webhook-config
GET /api/v1/developer/balances
PATCH /api/v1/developer/webhook-config
GET /api/v1/developer/crypto-instruction/{network}/{asset}

4. Transfers supporting documents - POST /api/v1/transfers

BEFORE (supports end on 30th October)

{
  "customerId": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
  "source": {
    "currency": "USDC",
    "network": "ethereum",
    "walletId": "497f6eca-6276-4993-bfeb-53cbbbba6f08"
  },
  "destination": {
    "currency": "GBP",
    "externalAccountId": "497f6eca-6276-4993-bfeb-53cbbbba6f08"
  },
  "purposeOfPayment": "PaymentForGoods",
  "receiverAmount": 15000.00, // this is the amount in destination currency
  "memo": "test payment",
  "useDeveloperFunds": true,
  "requireApproval": false,
  "documents": [
   "data:application/pdf;base64,abdcxxxx", // << BEFORE
   "data:application/pdf;base64,abdcxxxx" // << BEFORE
  ]
}

AFTER

Firstly, upload supporting document

curl --request POST \
     --url https://api.sandbox.keyrails.com/api/v1/transfers/documents \
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --header 'Authorization: Bearer {{AccessToken}}' \
     --data '
{
  "fileBlob": "data:application/pdf;base64,abdcxxxx"
}
'

Then add the documentId returned in the documents field

curl --request POST \
     --url https://api.sandbox.keyrails.com/api/v1/transfers \
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --header 'Authorization: Bearer {{AccessToken}}' \
     --data '{
  "customerId": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
  "source": {
    "currency": "USDC",
    "network": "ethereum",
    "walletId": "497f6eca-6276-4993-bfeb-53cbbbba6f08"
  },
  "destination": {
    "currency": "GBP",
    "externalAccountId": "497f6eca-6276-4993-bfeb-53cbbbba6f08"
  },
  "purposeOfPayment": "PaymentForGoods",
  "receiverAmount": 15000.00, // this is the amount in destination currency
  "memo": "test payment",
  "useDeveloperFunds": true,
  "requireApproval": false,
  "documents": [
   "3fa85f64-5717-4562-b3fc-2c963f66afa6",
   "9f8802d2-366f-466e-b8c0-09b9d3ced282"
  ]
}
'

5. Transfers now supports funding payments using developers wallet - POST /api/v1/transfers

Changes

useDeveloperFunds set it to TRUE

curl --request POST \
     --url https://api.sandbox.keyrails.com/api/v1/transfers \
     --header 'accept: application/json' \
     --header 'content-type: application/*+json' \
     --header 'Authorization: Bearer {{AccessToken}}' \
     --data '{
  "customerId": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
  "source": {
    "currency": "USDC",
    "network": "ethereum",
    "walletId": "497f6eca-6276-4993-bfeb-53cbbbba6f08"
  },
  "destination": {
    "currency": "GBP",
    "externalAccountId": "497f6eca-6276-4993-bfeb-53cbbbba6f08"
  },
  "purposeOfPayment": "PaymentForGoods",
  "receiverAmount": 15000.00, // this is the amount in destination currency
  "memo": "test payment",
  "useDeveloperFunds": true,
  "requireApproval": false,
  "documents": [
   "3fa85f64-5717-4562-b3fc-2c963f66afa6",
   "9f8802d2-366f-466e-b8c0-09b9d3ced282"
  ]
}
'

Fund customer payments from your developer wallet

A new field, useDeveloperFunds, allows you to fund customer payments directly from your developer wallet.

You no longer need to transfer funds internally to the customer’s wallet before making the payment.

Current tenant endpoints renamed to developer endpoints

Current tenant endpoints have been rename from /api/v1/current-tenant to /api/v1/developer.

Method	Previous endpoint	New endpoint
GET	`/api/v1/current-tenant`	`/api/v1/developer/`
GET	`/api/v1/current-tenant/webhook-config`	`/api/v1/developer/webhook-config`
GET	`/api/v1/current-tenant/balances`	`/api/v1/developer/balances`
PATCH	`/api/v1/current-tenant/webhook-config`	`/api/v1/developer/webhook-config`
GET	`/api/v1/current-tenant/crypto-instruction/{network}/{asset}`	`/api/v1/developer/crypto-instruction/{network}/{asset}`

Action required: Update your requests to use the new endpoint paths. Support ends on 30th October

Customer onboarding

The request body for POST /api/v1/customers has been updated.

Deprecated fields

The following fields are being removed and will no longer be supported from 30 October.

Field	Scope
`businessIndustryOther`	Top-level field
`businessIndustryType`	Top-level field
`customerBaseBreakdown`	Top-level field
`isBusinessRegulated`	Top-level field
`compliance`	Entire object, including all nested fields
`isNamedAccountRequired`	Top-level field
`regulatedEntity`	Top-level field
`notRegulatedReason`	Top-level field
`sourceOfFunds`	Top-level field
`companySourceOfWealthExplanation`	Top-level field

The following fields within transactionBreakdown are also being removed:

Field
`transactionTypes`
`stablecoinTxCountMonthly`
`incomingStablecoinAvgUsdValue`
`outgoingStablecoinTxCountMonthly`
`outgoingStablecoinAvgUsdValue`
`incomingAchTxCountMonthly`
`incomingAchAvgUsdValue`
`outgoingAchTxCountMonthly`
`outgoingAchAvgUsdValue`
`incomingDomesticWireTxCountMonthly`
`incomingDomesticWireAvgUsdValue`
`outgoingDomesticWireTxCountMonthly`
`outgoingDomesticWireAvgUsdValue`
`incomingInternationalWireTxCountMonthly`
`incomingInternationalWireAvgUsdValue`
`outgoingInternationalWireTxCountMonthly`
`outgoingInternationalWireAvgUsdValue`
`preferredSettlementCurrencies`

New fields

The following fields have been introduced:

Field	Location
`naicsCode`	Top level
`companySourceOfWealth`	Top level
`companySourceOfWealthOther`	Top level
`accountFundingSource`	Top level
`accountFundingSourceOther`	Top level
`estimatedMonthlyVolumeUsd`	`transactionBreakdown`
`averageUsdValueIncomingPayments`	`transactionBreakdown`
`averageUsdValueOutgoingPayments`	`transactionBreakdown`
`estimatedIncomingPaymentsPerMonth`	`transactionBreakdown`
`estimatedOutgoingPaymentsPerMonth`	`transactionBreakdown`

Action required: Update your customer creation requests to use the revised onboarding fields.

Document types

The following document types have been removed from the onboarding requirements:

Document type
`OrganizationChart`
`OwnershipChart`
`ComplianceOfficerCV`
`IndependentAmlAudit`
`AmlPolicy`
`RegulatoryLicenses`

A new document type, BankStatements, has been introduced.

Transfer supporting documents

The documents array in POST /api/v1/transfers is changing from accepting Base64-encoded files to accepting document IDs only.

Use the new endpoint to upload supporting documents:

POST /api/v1/transfers/documents

Each upload returns a documentId, which you then include in the documents array when creating a transfer.

Action required:

Upload each supporting document using POST /api/v1/transfers/documents.
Collect the returned document IDs.
Pass those IDs in the documents array of your POST /api/v1/transfers request.

Support for passing Base64 encode file in documents field ends on 30th October