August 2026
| Feature | Description | Release Date |
|---|---|---|
| Funds Management | (SDK v1.42.0) Added virtual-account bank withdrawal capabilities: ・Get bank account balance: retrieve the balance of a VA-tagged destination bank account. ・Create bank withdrawal: create a bank withdrawal from a VA-mapped source bank account to a target bank account. ・List bank withdrawals and Get bank withdrawal information: query bank withdrawals by pagination, request_id, and status, and retrieve details including source/target bank accounts, bank transaction fee, and status timeline. | 2026-08-19 |
| Destinations | (SDK v1.42.0) Destination metadata enhancements: ・List destination entries: added optional bank_account_tag filtering, currently supporting VA.・Destination bank account responses now include nullable tag, currently VA.・Destination and DestinationDetail responses now include source, with Client and System enum values. | 2026-08-19 |
| Webhook | (SDK v1.42.0) Added PaymentBankWithdrawal webhook data and the payment.bank_withdrawal.status.updated event type. See Status and events. | 2026-08-19 |
| Merchant Management (Breaking Change) | (SDK v1.42.0) Submit merchant KYC: company attachment file_id now expects the uploaded file UUID (uuid format) instead of an uploaded AWS file-link string. Use the file ID returned by Upload file. | 2026-08-19 |
| Webhook | (SDK v1.41.0) Added the payment.bulk_send.item.status.updated webhook event for bulk send item status updates. The event payload includes the PaymentBulkSendItem data type, event data schema, discriminator mapping, and event type enum value. See Status and events. | 2026-08-05 |
| Reports | (SDK v1.41.0) Generate reports and List all reports: ReportExportFormat now includes PDF. PDF export is supported only for balance snapshot reports. | 2026-08-05 |
| Pay-in | (SDK v1.41.0) Pay-in order semantics were clarified: ・Create pay-in order: Payments onboarding must be complete, merchant_id must belong to the organization, psp_order_code is organization-unique, merchant_order_code is an optional downstream merchant reference, and fee_amount is an order-level developer charge deducted from the collected payment.・List all pay-in orders and Get pay-in order information: clarified order_id creation timing, merchant_order_code presence, organization-unique psp_order_code, and fee_amount settlement allocation. | 2026-08-05 |
| Merchant Management | (SDK v1.41.0) Create merchant, List all merchants, and Update merchant: clarified developer_fee_rate behavior. It applies only to Top-up-mode deposits, supports values from 0 through 1 with up to four decimal places, treats absent or cleared values as zero, is not retroactive, rounds shares down to token precision, and does not combine with order-level fee_amount. | 2026-08-05 |
| Funds Management | (SDK v1.41.0) Payout and Bulk Send semantics were clarified: ・Create payout: crypto addresses must be approved destination entries on the matching chain; cross-chain payout behavior applies when payout and recipient token IDs are the same asset on different chains; off-ramp currency must match the selected bank account and currently supports USD only; payout amount accepts up to two nonzero fractional digits without rounding. ・Create bulk send, List all bulk sends, and Get bulk send information: execution_mode is required as Strict or Partial; Strict blocks all items on any validation failure or partial fund sweep, while Partial isolates item-level validation failures. | 2026-08-05 |
July 2026
| Feature | Description | Release Date |
|---|---|---|
| Merchant Management | (SDK v1.40.0) Added merchant KYC operations: ・Submit merchant KYC: submit KYC information for a specified merchant. ・Get merchant KYC: retrieve the KYC submission for a specified merchant. ・Upload file: upload supporting documents for payment-related use cases such as merchant KYC. | 2026-07-22 |
| Destinations | (SDK v1.40.0) Destination bank account enhancements: ・Bank account schemas used by Create destination, Create destination entry, Update destination entry, and related get/list responses now include payment_method (Local, Swift), holder_type (Company), beneficiary_province, beneficiary_post_code, bank_account_name, bank_branch_code, bank_country, bank_province, and contract_file_id.・For USD company bank accounts, when payment_method is Swift, beneficiary_province and beneficiary_post_code are required; when payment_method is Local (HK only), bank_branch_code is required. | 2026-07-22 |
| Funds Management | (SDK v1.40.0) Fee estimation and failure reason enhancements: ・Estimate fees: request body added optional bank_account_id; response added otc_fixed_fee for the fixed OTC fee amount on OffRamp payouts.・Create payout, List all payouts, and Get payout information: response now includes failed_reason.・Create bulk send, List all bulk sends, Get bulk send information, and List bulk send items: response now includes failed_reason. | 2026-07-22 |
| Refunds | (SDK v1.40.0) Create refund order, List all refund orders, and Get refund order information: response now includes failed_reason. | 2026-07-22 |
| Payment Link | (SDK v1.40.0) Create order link and Create refund link: request body added optional request_id (max length 128) for tracking link creation requests. | 2026-07-22 |
| Pay-in | (SDK v1.40.0) Payment transaction details now include failed_reason and sub_status. Affected responses include List payers and List payer transactions, as well as transaction data embedded in related order, refund, settlement, and payout payloads. | 2026-07-22 |
| Funds Management | (SDK v1.39.0) Bulk Send: PaymentBulkSendItemValidationStatus schema added NotExecuted enum value. Returned as validation_status in List bulk send items, indicating that item validation was not executed (for example, when other items fail validation in Strict mode and the entire batch is rejected at the validation stage). | 2026-07-01 |
June 2026
| Feature | Description | Release Date |
|---|---|---|
| Webhook | (SDK v1.38.0) Added a new webhook event payment.account.balance.updated (PaymentAccountBalanceUpdate), triggered when the available balance of a Payments account changes for a specific token. The payload includes the account information (source_account, source_id, source_type), token_id, the change amount, balance_before / balance_after, flow_direction, and update_time. See Status and events.Added the merchant_id field to the payment.address.updated webhook payload. | 2026-06-25 |
| Funds Management | (SDK v1.39.0) Allocation status tracking: ・List all batch allocations and Create batch allocation: response now includes status field (Pending, Processing, Completed, PartiallyCompleted, Failed).・Get batch allocation information: response now includes status field.・List all allocation items: response items now include status field (Pending, Transferring, Completed, Failed). | 2026-06-24 |
| Funds Management | (SDK v1.37.0) Added List balance changes operation for retrieving balance changes of a specified source account. Bulk Send enhancements: ・List bulk send items: response now includes tx_hash field, returning the on-chain transaction hash for each bulk send item.・List all bulk sends, Get bulk send information, and the payment.bulk_send.status.updated webhook notification data now include commission_fee field, returning the commission fee charged for the bulk send. | 2026-06-09 |
May 2026
| Feature | Description | Release Date |
|---|---|---|
| Funds Management | (SDK v1.36.0) Bulk Send improvements: ・Create bulk send: added optional request_id field for idempotency — a caller-supplied unique key to prevent duplicate submissions. The request_id is also returned in the response.・Added List all bulk sends operation for querying bulk send records, with optional filtering by request_id. | 2026-05-26 |
| Funds Management (Breaking Change) | (SDK v1.35.0) The following deprecated bank account API operations have been permanently removed. Use the Destination related operations instead: - List bank accounts ( GET /payments/bank_accounts)- Update bank account ( PUT /payments/bank_accounts/{bank_account_id}) | 2026-05-12 |
| Pay-in | (SDK v1.35.0) Top-up payer enhancements: ・List payers response now includes the custom_payer_id field — the merchant-side unique identifier for the payer.・Added List payer transactions operation for paginated retrieval of on-chain transactions for a specific payer, filterable by custom_payer_id, merchant_id, token_id, and transaction_hash. The transactions inline field in List payers is now deprecated and will be removed in a future version. Starting from this release, the field returns at most the 200 most recent transactions and no longer returns all records. | 2026-05-12 |
April 2026
| Feature | Description | Release Date |
|---|---|---|
| Funds Management | (SDK v1.34.0) OffRamp payout routing via virtual account (VA) is now supported: ・Estimate fees: added transfer_via_va field to the request body. Set to true to estimate fees for routing the payout via a virtual account; false for direct bank transfer.・ RecipientInfo schema: added transfer_via_va field in payout responses, indicating whether the payout was routed through a virtual account. | 2026-04-07 |
| Refunds | (SDK v1.34.0) Create refund link: added optional order_id field. You can now specify the order to refund using either order_id or transaction_id; previously only transaction_id was accepted. | 2026-04-07 |
March 2026
| Feature | Description | Release Date |
|---|---|---|
| Payment Link | (SDK v1.33.0) Added Create SDK link operation. Generates an SDK link token and URL for initializing the Cobo Payments frontend SDK, enabling developers to embed the payment interface in web applications. | 2026-03-24 |
| Webhook | (SDK v1.32.0) Added a Webhook trigger API payments/webhooks/trigger. Developers can now manually trigger Payment-related Webhook events without creating actual transactions, making integration testing easier. | 2026-03-12 |
| Funds Management | (SDK v1.32.0) The List merchant balances endpoint now supports flexible querying. Both token_id and merchant_ids parameters are optional, allowing queries by specific token or across multiple merchants. | 2026-03-12 |
| Destinations | (SDK v1.32.0) Payout Destination management enhancements: ・Create destination — Request: added bank_accounts[].country and bank_accounts[].city; bank_accounts[].intermediary_bank_info.bank_address is now optional・Get destination detail — Response: added bank_accounts[].country and bank_accounts[].city・Create destination entry — Request: added bank_accounts[].country and bank_accounts[].city; bank_accounts[].intermediary_bank_info.bank_address is now optional・List destination entries — Response: added bank_accounts[].country and bank_accounts[].city・Get destination entry information — Response: added bank_account.country and bank_account.city・Update destination entry — Response: added bank_account.country and bank_account.city; Request: bank_account.intermediary_bank_info.bank_address is now optional | 2026-03-12 |
| Reports | (SDK v1.32.0) The Generate reports endpoint now supports a new report_types enum value: BulkSend. | 2026-03-12 |
February 2026
| Feature | Change Description | Release Date |
|---|---|---|
| Cobo Payments AI Assistant | The Cobo Payments AI Assistant is an intelligent conversational assistant embedded in Cobo Portal. It helps you complete initial setup, explore core payment features, and answer product questions. | 2026-02-05 |
| Funds Management | The app now supports Bulk send. | 2026-02-05 |
| SDK & API | (SDK v1.31.0) Webhook events have been updated as follows: - New events: - payment.transaction.external.created- payment.transaction.external.completed- Removed: payment.transaction.held- payment.status.updated renamed to payment.order.status.updated (re-subscription required)- No longer delivered: Processing- Delivered only: Completed / Expired / Underpaid- payment.refund.status.updated- No longer delivered: Processing- Delivered only: Completed / PartiallyCompleted / Failed- payment.payout.status.updated now includes RejectedByBank status | 2026-02-05 |
| Supported Chains | (SDK v1.31.0) Added support for querying supported tokens: List supported tokens. | 2026-02-05 |
| Pay-in | New amount parameter validation rules when creating pay-in orders. When using pricing_currency, pricing_amount, and payable_currency, the request must match one of the following two combinations:Option 1: Create order by pricing amount - Required: pricing_currency, pricing_amount, payable_currency- Must not set: payable_amountOption 2: Create order by payable amount - Required: payable_currency, payable_amount- Must not set: pricing_currency, pricing_amountNote: payable_currency is required in all cases. Requests that use both options or do not match either combination will be rejected.Related API: Create pay-in order | 2026-02-05 |
January 2026
| Feature | Change Description | Release Date |
|---|---|---|
| Pay-in (Breaking Change) | (SDK v1.30.0) When calling Create pay-in order to create a payment order, payable_currency are now required parameters. Requests without these fields will fail validation and cannot create payment orders. Please update your request body to ensure these fields are included. | 2026-01-22 |
| Payment Link (Breaking Change) | (SDK v1.30.0) When calling Create order link to create a payment link, pricing_currency, pricing_amount, and payable_currencies are now required parameters. Requests without these fields will fail validation and cannot create payment links. Please update your request body to ensure these fields are included. | 2026-01-22 |
| Funds Management | (SDK v1.30.0) New Payout API operations with a more efficient process—no need to distinguish fund sources (pay-in/top-up mode) or specify orders, just enter the amount to complete the payout. For cryptocurrency transfers, automatic cross-chain is supported, allowing you to transfer the same token distributed across different chains to a single destination address in one operation. Related API operations include: - Create payout - List all payouts - Get payout information The following payout operations have been deprecated: - Create settlement request - List all settlement requests - Get settlement request information - List all settlement details These operations can still be used, but we recommend migrating to the new API operations as soon as possible for a better payout experience. | 2026-01-22 |
| Funds Management | (SDK v1.30.0) Added Bulk Send API operations supporting cryptocurrency bulk transfer functionality: - Create bulk send - Get bulk send information - List bulk send items | 2026-01-22 |
| Pay-in | (SDK v1.30.0) Added Batch Create Top-up Address operation, supporting batch retrieval of top-up addresses. | 2026-01-22 |
| Funds Management | (SDK v1.30.0) The fee_type enum in the Estimate fees operation now supports the following values for estimating fees for various payout methods:- CryptoPayout (Cryptocurrency transfer)- CryptoPayoutBridge (Cryptocurrency transfer with cross-chain operation)- OffRampPayout (Off-ramp integration)The CryptoSettlement and OffRampSettlement values have been deprecated. | 2026-01-22 |
| Funds Management | (SDK v1.30.0) To improve parameter naming consistency and result readability, field names in the following Allocation operations have been updated. Please adjust your request parameters and response parsing logic accordingly: - The allocation_requests field in the Create batch allocation operation has been updated to allocation_params.- The allocation_records field in Get batch allocation information has been renamed to allocation_items.- The List all allocation records operation has been renamed to List all allocation items, and the allocation_record_id field in the response has been renamed to allocation_item_id.Please complete the field name updates as soon as possible to ensure compatibility of allocation-related features in future versions. | 2026-01-22 |
| Destinations | (SDK v1.30.0) The following operations have been deprecated. Please use the Destination related operations instead: - List all bank accounts - Create crypto address - Delete crypto address - List crypto addresses | 2026-01-22 |
December 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Counterparties | (SDK v1.29.0) Added Counterparties API operations for managing payer information: - Create counterparty - List all counterparties - Get counterparty information - Update counterparty - Delete counterparty - Create counterparty entry - List counterparty entries - Get counterparty entry information - Delete counterparty entry | 2025-12-29 |
| Destinations | (SDK v1.29.0) Added Destinations API operations for unified management of payout destination information: - Create destination - List all destinations - Get destination information - Update destination - Delete destination - Create destination entry - List destination entries - Get destination entry information - Update destination entry - Delete destination entry | 2025-12-29 |
| Reports | (SDK v1.29.0) Added Reports API operations for generating and managing reports: - Generate reports - List all reports | 2025-12-29 |
| Funds Management | (SDK v1.29.0) List all bank accounts operation has been deprecated. | 2025-12-29 |
| Funds Management | (SDK v1.28.0) Added Allocation API operations for flexible fund distribution between accounts: - Get available allocation amount - Create batch allocation - Get batch allocation information - List all batch allocations - List all allocation records | 2025-12-18 |
| Pay-in | (SDK v1.28.0) Simplified fields for Create pay-in order and Create order link: support for custom payable amounts, removed exchange_rate field, and optimized field naming for better readability and usability. Amount field precision is now unified to 2 decimal places for easier reconciliation and fund management.Create pay-in order: - Added fields: pricing_currency, pricing_amount, payable_currency, payable_amount.- Deprecated fields: currency, order_amount, token_id, custom_exchange_rate.Create order link: - Added fields: pricing_currency, pricing_amount, payable_currencies, payable_amounts.- Deprecated fields: currency, order_amount, token_ids, custom_exchange_rates. | 2025-12-18 |
| Payment Link | (SDK v1.28.0) Create order link added return_url field. You can now configure the merchant’s original shopping page URL. Users can be redirected back to the shopping page upon successful payment or errors, improving the payment experience. | 2025-12-18 |
| Feature | Change Description | Release Date |
|---|---|---|
| Funds Management | - Added Allocation feature for manual fund distribution between accounts. Currently available via Payments App, API coming soon. - Introduced Account concept. Accounts are virtual fund entities managed in the system ledger. See Accounts and Fund Allocation for details. - Simplified payout process. No need to specify fund source (pay-in or top-up mode) or orders—just enter the amount. Currently available via Payments App, API coming soon. See Off-Ramp and Crypto Payouts. | 2025-12-12 |
| Payment Link | Order payment link redesigned: - Brand new visual and interaction design - Desktop support for Binance Wallet (EVM and Solana chains) - Support for scanning QR codes with embedded amounts, auto-filling transfer amounts - Third-party wallet optimization: simplified flow, recommends previously used wallet | 2025-12-12 |
| Counterparties | Added Counterparties feature for managing payer information. Currently available via Payments App, API coming soon. | 2025-12-03 |
| Destinations | Added Destinations feature for unified management of payout destination information. Currently available via Payments App, API coming soon. | 2025-12-03 |
November 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Funds Management | (SDK v1.27.0) Get payer balance operation has been removed. | 2025-11-26 |
| Exchange Rates | (SDK v1.27.0) Added Batch get exchange rates operation for batch exchange rate retrieval. | 2025-11-26 |
| SDK & API | (SDK v1.27.0) Get Access Token and Refresh Access Token operations have been deprecated. | 2025-11-26 |
| Refunds | (SDK v1.26.0) Added Create refund link operation for creating refund links. RefundStatus schema now includes AddressPending and AddressSubmitted statuses. | 2025-11-12 |
October 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Funds Management | (SDK v1.25.0) In Create settlement request, the previously deprecated settlements.currency and settlements.bank_account_id fields have been removed. Use the top-level currency and bank_account_id fields to specify fiat currency and bank account. | 2025-10-30 |
| Payment Link | (SDK v1.25.0) Added Create order link operation for creating payment links for pay-in orders. | 2025-10-30 |
| Pay-in | (SDK v1.25.0) - Added payment.transaction.failed event, triggered when a deposit transaction fails compliance screening.- Create pay-in order request body now includes amount_tolerance field to specify acceptable underpayment deviation. | 2025-10-30 |
| Merchant Management | Added auto-create wallet feature, simplifying merchant configuration and improving onboarding efficiency. See Create Merchant. Related API operations: Create merchant, List all merchants. | 2025-10-21 |
| Merchant Management | (SDK v1.24.0) Create merchant and List all merchants operations added wallet_setup field for merchant wallet configuration. The wallet_id field is now deprecated. | 2025-10-15 |
| Funds Management | (SDK v1.24.0) - Estimate fees operation: for estimating fees for various operations. - Create settlement request request body added currency, bank_account_id, remark fields.- SettleRequestStatus schema added Canceled status: indicates bank transfer failure.- Settlement schema added currency, received_amount_fiat, and bank_account fields. | 2025-10-15 |
| Pay-in | (SDK v1.24.0) - Create pay-in order added custom_exchange_rate field: supports custom exchange rates.- merchant_id field is now optional in Create/Get top-up address, Update top-up address, List payers operations. | 2025-10-15 |
| Funds Management | To simplify the settlement process and improve user experience, Payments API has been optimized by removing withdrawable balance, forced sweep, and related concepts: Deprecated operations: - Withdrawable balance query: Get withdrawable balances - Payment wallet balance query: List payment wallet balances - Forced sweep operations: Create forced sweep, List forced sweeps Deprecated fields: - available_balance field in List merchant balances and Get developer balance- use_dedicated_address field in Create pay-in order The above operations and fields are retained only for backward compatibility and should not be used in new implementations. | 2025-10-01 |
September 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Supported Chains | Added support for Solana chain. | 2025-09-26 |
| Pay-in | Order mode now supports payment.transaction.completed event. | 2025-09-05 |
August 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Funds Management | (SDK v1.22.0) - Create settlement request request body: settlements.token_id field changed from optional to required. Additionally, settlements.amount field now only represents cryptocurrency amount, no longer fiat amount.- Added balance operations: List merchant balances, Get developer balance, List payment wallet balances, Get payer balance | 2025-08-28 |
| Funds Management | (SDK v1.21.0) Added settlement operations: List all settlement details, Create crypto address, Delete crypto address. | 2025-08-13 |
| Refunds | (SDK v1.21.0) Added refund operations: Update refund order, Cancel refund order. | 2025-08-13 |
| Payment Link | - Added support for third-party wallet payments, supporting mainstream wallets on EVM and Tron chains. - Added support for specifying order amount in cryptocurrency via cryptoAmount parameter. | 2025-08-11 |
July 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Pay-in | (SDK v1.20.0) - Create pay-in order new feature: supports specifying order amount in cryptocurrency. When currency parameter is empty, order_amount and fee_amount will use the cryptocurrency specified by token_id instead of fiat.- Added Update top-up address operation for updating top-up addresses. - Added payment.address.updated webhook event for top-up address update notifications. | 2025-07-30 |
| Funds Management | (SDK v1.20.0) - Added forced sweep operations: Create forced sweep, List forced sweeps. - Get withdrawable balances added available_balance and total_balance fields for withdrawable and total balance respectively. | 2025-07-30 |
| Payment Link | Added support for customizing “Powered by xxx” text at checkout page bottom via developerName parameter. | 2025-07-30 |
| Funds Management | Create settlement request new feature: when order_ids parameter is empty, automatically settles all unsettled orders for the merchant. | 2025-07-24 |
| Pay-in | Added support for top-up mode. You can now on the web interface: create and manage top-up addresses, monitor top-up transaction status, export top-up records. | 2025-07-10 |
| Pay-in | (SDK v1.18.0) Added top-up mode operations: Create/Get top-up address, List payers. See Get Top-up Addresses for integration steps. Added multiple webhook events related to top-up mode. | 2025-07-02 |
June 2025
| Feature | Change Description | Release Date |
|---|---|---|
| Reports & Dashboard | Added dashboard, balance query, and report export features. | 2025-06-27 |
| Merchant Management | Added support for Custodial Wallets. | 2025-06-19 |
| Funds Management | (SDK v1.17.0) Added support for crypto payout settlement. Related operations: Create settlement request, List crypto addresses. | 2025-06-18 |
| Refunds | (SDK v1.17.0) Create refund order added developer fee fields. You can charge developer fees to merchants during refunds. See Handle Refund Requests for details. | 2025-06-18 |
| Payment Link | (SDK v1.17.0) Added OAuth authentication operations for Checkout SDK: Get Access Token, Refresh Access Token. | 2025-06-18 |
| Funds Management | Added support for crypto payout settlement method. | 2025-06-10 |
| Payment Link | (Checkout SDK v1.1.0) Checkout SDK provides out-of-the-box payment frontend components with iframe embedding support for quick integration. | 2025-06-09 |