Changelog.

We’ve introduced enhanced wallet management capabilities to give you full control over the wallet lifecycle, across both fiat and crypto wallets. Create, read, update, block, unblock, and terminate wallets through the BVNK Portal, or via API.

Send and receive USD internationally in your name with automatic reconciliation – no reference codes needed. Swift, stablecoins, ACH, Fedwire – all from one wallet, giving you and your customers more flexibility in how USD is received, routed, and settled.

We've released Customer Onboarding API v2 for embedded partners. Submit business data in one request, then upload documents and sign agreements in any order. Includes clearer compliance guidance, stricter validation, and full webhook coverage to eliminate polling.

We've shipped several improvements to streamline your workflows. You can now edit channel references or delete channels directly in the Merchant Portal without requiring extra support. Channel search is also faster with partial text matching, and crypto payment search now supports UUID lookups alongside existing hash and reference options. Finally, during 4-eyes approval for crypto payouts, beneficiary name and blockchain network/protocol are now visible, reducing verification errors.

Channel webhooks now fire at the moment of creation, giving you real-time visibility into channel lifecycle events. The webhook includes customer details to help you track which customer owns each channel. Reversal entries now include the original payout reference and UUID, making it easy to trace reversals back to their source transaction.

Fiat payments now include comprehensive tracking references for ACH, Fedwire, and Swift. View tracking details in the Merchant Portal or via API: IMAD/OMAD for Fedwire, Trace ID for ACH, UETR for SWIFT transfers. This replaces MT103 documents, which SWIFT decommissioned in November 2025. Tracking information is also available in Proof of Payment extracts.

We’re updating how fiat payout beneficiaries are managed in the BVNK portal to create a more streamlined, unified way to manage contacts in one place. Going forward, beneficiary information for both crypto and fiat payouts will live together under Contacts.

Fiat payments now include tracking references (IMAD, OMAD, Trace ID, and UETR) to help you monitor payment progress across slower rails like ACH and Swift. View tracking details in the Merchant Portal or via API. This replaces MT103 documents, which Swift decommissioned in November 2025.

Schedule daily, weekly, or monthly transaction reports for individual wallets: both fiat and crypto. Reports are automatically delivered in CSV or PDF format to your inbox. Gives you more granular control over reconciliation and monitoring without generating full account reports. Find the feature in your BVNK Portal.

Configure automated fiat and crypto fund movements without code. Event-based rules trigger payments on specific conditions (e.g., high-value trades), while time-based rules execute transfers on schedules. Available to all Layer1 customers for streamlined treasury operations.

BVNK customers can now earn rewards directly on idle digital assets held in BVNK wallets – no withdrawal or reallocation needed. Rewards feature instant liquidity and full safeguarding protection. Available to US and non-EEA/UK customers. Reach out to your account manager if you’d like to learn more.

BVNK’s embedded partners now see detailed reasons when individual applicant verification fails, not just generic status updates. This eliminates guesswork around why applications are rejected and what needs to be corrected, reducing unnecessary resubmissions.

The maximum transaction amount for SEPA Credit Transfer Instant (SCTinst) has increased from €100,000 to €250,000, enabling larger euro transfers via Centrolink and our banking partners.

Our updated docs site now includes topic tags for easier browsing, step-by-step use case guides, comprehensive webhook references, and a built-in webhook validator tool. Find integration guidance faster with clearer navigation and real-world examples.

Get direct access to the EU's SEPA payments scheme, via our new integration with the CENTROlink system, enabling greater flexibility and reliability. This means 24/7 access to instant euro payments, delivered directly by us, settling in under 10 seconds (99% in under 5 seconds).

Getting started with BVNK is now faster and simpler. Our new intelligent onboarding process uses AI to streamline your application while maintaining robust compliance standards. Key improvements include AI-powered document processing, risk-based assessment, support for multiple collaborators, and dynamic data collection – with onboarding times reduced by 60% on average.

ADA, ALGO, BCH, DAI, DOGE, FDUSD, LINK, SHIB are no longer supported in BVNK’s platform. We continue to focus on stablecoins and cryptocurrencies and fiat currencies most requested by our customers.

This integration enables enterprise-grade reconciliation and reporting across all transactions for treasury teams. Available for all customers of our Layer1 platform, who require compliant, third-party-verified digital asset reporting.

We've expanded our blockchain coverage with full support for USDC on Arbitrum, enabling settlement on one of the leading L2 networks. Available for channel payments, payment links, and crypto send. USDC is now supported on 6 networks at BVNK.

We've enhanced the experience for embedded partners in the Merchant Portal. The new My Customers dashboard gives you clear visibility into your customers' onboarding journey, including a 5-step flow view, status checklist, and granular status updates. These insights help you see what’s missing or blocking approval, reducing manual back-and-forth and giving you predictability when scaling customer onboarding across markets.

We've expanded our euro stablecoin capabilities. EURC, issued by Circle, is now fully supported across BVNK, enabling fast, compliant euro-denominated flows. Available for channel payments, payment links, and crypto send.

Export all your wallet balances (fiat or crypto) from the Transaction History tab in the merchant portal. You can also export individual wallet balances directly from the Wallets tab, and receive these exports to your inbox as a CSV.

Layer1 customers can now create payment links for both pay-ins and pay-outs directly within the account portal – no API required. This streamlines your workflow by eliminating the need for technical integration when generating payment links, making it faster and easier to collect or send payments.

When your customer sends the wrong asset or uses the wrong network, BVNK auto-detects, converts and credits the payment correctly – eliminating manual tracing, reducing support load, and speeding up settlement.

You can now set up a rule per wallet to instantly convert any incoming fiat funds into crypto and send them straight to an external wallet – no manual steps required. Choose the currency, set the destination address and let the automation run. Available via API only.

Whitelist entire IP ranges when creating API keys, replacing the previous single IP limitation. This simplifies setup for enterprises running multiple servers or using cloud infrastructure, reducing manual administration and ensuring smoother payment flows across your entire server infrastructure.

BVNK now supports sending and receiving USDG on Solana across channel payments, payment links, and crypto send features. Available to all customers globally, this integration of the USDG stablecoin gives your customers more payment options.

BVNK embedded wallets now support individual users alongside business customers. BVNK partners serving individual customers can now offer BVNK embedded wallets with consumer-grade onboarding, expanding beyond business-only integration.

Switch to dark mode across the entire BVNK Merchant Portal with a single click. Your preference is automatically remembered, for easier viewing during late-night reconciliations and a better experience for users with light sensitivity.

BVNK now supports new US payment rails, including FedNow and RTP. Available to US customers across all verticals for B2B pay-ins/payouts, B2C payouts, and C2B collections.

You can now configure your payouts to pass processing fees directly to your end customers, protecting your margins with a simple setup. Reach out to your Customer Success Manager to configure the feature.

We’re excited to share a new update to our Smart Treasury APIs: they can now automatically detect and top up accounts when withdrawal requests come, limiting manual intervention. Automate even more of your treasury operations and win back valuable (and often out-of-hours!) time for your finance and treasury teams.

The AI Assistant for Layer1 combines a natural language interface with real system access. Generate wallet addresses, query balances and debug transactions via the UI or Slack. This feature is embedded into Layer1, enabling you to build your own assistants tailored to your workflows.

Configure the pairs you want to enable or disable for trading from your connected exchange venues directly from the Layer1 platform. No more passing JSON files to our engineering team. Find the feature in Trading > Venues > Symbol Config.

BVNK now supports new account-level webhooks for real-time crypto and channel payment updates, including detected, confirmed, late and refunded transactions. This enables automation and visibility across embedded on/off-ramp flows.

Configure rules and approval workflows to control asset transfers and trades, helping prevent internal fraud and operational errors. The approval engine is ideal for companies handling large or frequent fund movements, giving you enforceable controls, multi-user governance, and auditability.

This new feature allows you to fix an exact 1-to-1 exchange rate for stablecoin to USD deposits. When your customer requests a deposit in stablecoins and the underlying wallet is in USD, they'll see a fixed 1-to-1 rate. Our system automatically handles adjustments, debiting your wallet for any small difference.

There’s now a single source for real-time crypto and fiat transaction data, enhancing accuracy, improving developer experience, and enabling simple reporting for our enterprise customers.

Layer1 now supports TRX staking to unlock free energy for TRON transactions, reducing gas costs by up to 90%. This feature is already saving BVNK over $2M a year. It’s automatic, regenerates daily, and works with a single API call.

Automatically top up wallets before balances run low using AI-powered forecasts and custom thresholds set by your finance team. This feature removes manual trade approvals and supports auto-funding from liquidity venues. Save hours, avoid disruptions and keep treasury operations smooth.

With auto-refunds, eligible transactions are automatically refunded to your customers, streamlining the refund process. No need to send a refund link to your user to initiate a claim. This means faster resolution of refunds due to late, under or over payments.

We’ve launched full support for USDC on layer 2 chain BASE, enabling faster, cheaper for our customers and partners - on both BVNK and Layer1.

You can now instantly refund any pay-in with a single simple action through the Refund API or BVNK Portal, automatically creating the outbound transaction for the refund without requiring payout information.

We’ve simplified the user experience for fiat payouts in the BVNK portal, so there’s one consistent way to pay out across fiat and crypto payments. Hit the ‘Send Fiat’ button in the BVNK Portal to get started.

Get real-time information on transaction statuses and running balances in the BVNK portal and Transaction List API Endpoint.

You can now send and receive USDC on the Solana network – ideal for payments and frequent transactions. Available for channel payments, payment links and crypto send.

We’ve enhanced our support for Swift payments, so you can now send and receive international payments in EUR and USD via Swift with individuals worldwide (consumers, employees etc) – as well as businesses. Available through API integration or the BVNK portal.

Financial institutions and Forex brokers in EEA can now offer EUR and GBP virtual accounts from BVNK to their individual or business customers, with access to Faster Payments, SEPA Credit and SEPA Instant. Reach out to your account manager to learn more.

In response to customer feedback, any refunds to your customers will now be paid out in the same currency in which they were paid in.

If your channel payment is held for compliance review, the status will be automatically reflected in the Channels section of your BVNK Portal, replacing the previous DETECTED status.

Businesses based in the EU can now offer embedded stablecoin payouts to their customers.

Access named USD accounts with payments on ACH and Fedwire via the BVNK portal or API. Or offer to your customers, embedded in your platform. Contact your account manager to learn more.

Give your customers or employees the ability to store, spend or get paid in EUR, USD, GBP or stablecoins. Our embedded wallet brings together fiat and stablecoins in a single platform, with direct access to blockchains and payment schemes like Swift, SEPA, ACH.

When adding travel rule information to payments, there’s no need to assign contacts for existing wallet addresses: simply create a channel and share those anytime channel details with your counterparties. Deposit addresses are clearly displayed when you create a channel. We’ve also made it easier to add crypto payment methods to existing contacts when you’re sending payments, reducing the number of payments that are missing a contact, and speeding up reconciliation.

You can now test fiat payouts in Sandbox before moving to production, simulating flows including payout process, failed payments and returns.

Enable your merchants to withdraw crypto funds and send crypto to external wallet addresses from the Layer1 platform. With our new reporting feature, they can also easily reconcile payments: input a date range and export transaction details to a CSV from the portal.