All API changes for the CAMP Connect API, consolidated from individual changelog entries.

Date	Key Changes
2026-07-17	Merchant Activation APIs
2026-07-07	Crypto Checkout & Refund v2.0 (16 new APIs)
2026-06-16	Modified APIs
2026-06-12	Fee Estimate, Address Validation
2026-06-02	Statements, Points APIs
2026-04-02	Initial v2.0 release (73 APIs)

20260402

Executive Summary

Status	Count	Note
New APIs	0	-
Deleted APIs	1	Fully removed
Modified APIs	39	With field-level changes
Unchanged APIs	33	No modifications
Total APIs (v2.0)	73

Detailed API Changes

The following sections detail all field-level modifications, organized by functional category.

Authentication

Create Token

Path: /v1.0/oauth/token → /v2.0/oauth/token
Method: POST

Summary Change:

Old: Get Token

New: Create Token

Request Body Changes:

client_id (Deleted)

Type: string

Required: True

Description: Client's ID

client_secret (Deleted)

Type: string

Required: True

Description: Client's Secret

clientId (Added)

Type: string

Required: True

Description: Client's ID

clientSecret (Added)

Type: string

Required: True

Description: Client's Secret

Response Body Changes:

access_token (Deleted)

Type: string

Required: False

Description: Access token

expires_in (Deleted)

Type: integer

Required: False

Description: Token expiry time

not-before-policy (Deleted)

Type: integer

Required: False

Description: A timestamp before which tokens are considered invalid

refresh_expires_in (Deleted)

Type: integer

Required: False

Description: Time in seconds until the token expiry is refreshed

scope (Deleted)

Type: string

Required: False

Description: Scope included in the token

token_type (Deleted)

Type: string

Required: False

Description: Token type

accessToken (Added)

Type: string

Required: False

Description: Access token

expiresIn (Added)

Type: integer

Required: False

Description: Token expiry time

tokenType (Added)

Type: string

Required: False

Description: Token type

Account Management

Get Balance

Path: /v1.0/ledger/account → /v2.0/ledger/account
Method: GET

Get Internal Transfer

Path: /v1.0/payment/account/getInternalTransfer → /v2.0/payment/account/getInternalTransfer
Method: GET

Response Body Changes:

data

createdAt

Type: string -> integer

Description Change:
Old: Transfer transaction time
New: Transfer transaction time (Unix timestamp in milliseconds)

Internal Transfer

Path: /v1.0/payment/account/internalTransfer → /v2.0/payment/account/internalTransfer
Method: POST

Response Body Changes:

data

createdAt

Type: string -> integer

Description Change:
Old: Transfer transaction time
New: Transfer transaction time (Unix timestamp in milliseconds)

Merchant Management

Create Merchant

Path: /v2.0/crm/addressBook/createMerchant
Method: POST

Request Body Changes:

merchantDetails

personalDetails

contactNumber

Description Change:
Old:
New: Phone number for contact, country code + Number. eg, +65 87654321

dateOfBirth

Description Change:
Old: Date of birth (UTC format)
New: Date of birth, format: YYYY-MM-DD, e.g., 1990-05-15

taxResidency

Description Change:
Old:
New: The country of tax residency (Country Code in ISO 3166-1 alpha-2 format)

corporationDetails

dateOfIncorporation

Description Change:
Old: Date of Incoporation
New: Date of Incoporation, format: YYYY-MM-DD, e.g., 1990-05-15

Response Body Changes:

data

merchantInfo

merchantDetails

personalDetails

contactNumber

Description Change:
Old:
New: Phone number for contact, country code + Number. eg, +65 87654321

dateOfBirth

Description Change:
Old: Date of birth (UTC format)
New: Date of birth, format: YYYY-MM-DD, e.g., 1990-05-15

taxResidency

Description Change:
Old:
New: The country of tax residency (Country Code in ISO 3166-1 alpha-2 format)

corporationDetails

dateOfIncorporation

Description Change:
Old: Date of Incoporation
New: Date of Incoporation, format: YYYY-MM-DD, e.g., 1990-05-15

status

Description Change:
Old: Current status of the application
New: Current status of the application Enum values: - 1: PROCESSING - 2: APPROVED - 3: REJECTED

Get Merchant

Path: /v2.0/crm/addressBook/getMerchant
Method: GET

Response Body Changes:

data

merchantInfo

merchantDetails

personalDetails

contactNumber

Description Change:
Old:
New: Phone number for contact, country code + Number. eg, +65 87654321

dateOfBirth

Description Change:
Old: Date of birth (UTC format)
New: Date of birth, format: YYYY-MM-DD, e.g., 1990-05-15

taxResidency

Description Change:
Old:
New: The country of tax residency (Country Code in ISO 3166-1 alpha-2 format)

corporationDetails

dateOfIncorporation

Description Change:
Old: Date of Incoporation
New: Date of Incoporation, format: YYYY-MM-DD, e.g., 1990-05-15

merchantStatus

Description Change:
Old: Merchant status
New: Merchant status Enum values: - 1: PROCESSING - 2: APPROVED - 3: REJECTED

Fiat Payment

Fiat Deposit

Get Deposit Bank Account

Path: /v1.0/crm/deposit/bankAccount → /v2.0/crm/deposit/bankAccount
Method: GET

Get Fiat Deposit Detail

Path: /v1.0/payment/fiat/deposit/detail → /v2.0/payment/fiat/deposit/detail
Method: GET

Response Body Changes:

data

createdAt

Type: string -> integer

Description Change:
Old: Timestamp of deposit transaction, ISO-8601
New: Timestamp of deposit transaction (Unix timestamp in milliseconds)

Get Fiat Deposit History

Path: /v1.0/payment/fiat/deposit/history → /v2.0/payment/fiat/deposit/history
Method: GET

Response Body Changes:

data

endTime

Description Change:
Old:
New: Unix timestamp in milliseconds

startTime

Description Change:
Old:
New: Unix timestamp in milliseconds

transactions

createdAt

Type: string -> integer

Description Change:
Old: Timestamp of deposit transaction, ISO-8601
New: Timestamp of deposit transaction (Unix timestamp in milliseconds)

Fiat Payment

Fiat Account Management

Add Bank Account

Path: /v1.0/crm/addressBook/addBankAccount → /v2.0/crm/addressBook/addBankAccount
Method: POST

Get Bank Accounts

Path: /v1.0/crm/addressBook/bankAccount → /v2.0/crm/addressBook/bankAccount
Method: GET

Get Fiat Account Application Status

Path: /v2.0/crm/fiatAccount/appStatus
Method: GET

Response Body Changes:

data

status

Description Change:
Old: Status of the request
New: Status of the request Enum values: - 1: PENDING - 2: PROCESSING - 3: ACTIVE - 4: REJECTED

Submit Additional Information for Fiat Account Request

Path: /v2.0/crm/fiatAccount/addInfo/submit
Method: POST

Response Body Changes:

data

status

Description Change:
Old: Status of the request
New: Status of the request Enum values: - 1: PENDING - 2: PROCESSING - 3: ACTIVE - 4: REJECTED

updatedAt

Description Change:
Old: Timestamp of update, UNIX timestamp in milliseconds (e.g., 1715000000000)
New: Timestamp of update, UNIX timestamp in milliseconds (e.g., 1715000000000)

Fiat Payment

Fiat Withdrawal

Create Fiat Withdrawal

Path: /v2.0/payment/fiat/createWithdrawal
Method: POST

Request Body Changes:

amount

Type: number -> string

withdrawalType

Description Change:
Old: First or third party withdrawal
New: First or third party withdrawal Enum values: - 1: First Party - 2: Third Party

Response Body Changes:

data

amount

Type: number -> string

estimatedAmountReceivable

Type: number -> string

fees

Type: number -> string

missingFields

Description Change:
Old: Missing fields for the withdrawal request. Ref. to {} for details
New: Missing fields

status

Description Change:
Old: Withdrawal status. Possible values: 1-PROCESSING, 2-COMPLETED, 3-CANCELLED, 4-FAILED, 5-PENDING.
New: Withdrawal status. Possible values: 1-PROCESSING, 2-COMPLETED, 3-CANCELLED, 4-FAILED, 5-PENDING. Enum values: - 1: PROCESSING - 2: COMPLETED - 3: CANCELLED - 4: FAILED - 5: PENDING

withdrawalType

Description Change:
Old: First or third party withdrawal
New: First or third party withdrawal Enum values: - 1: First Party - 2: Third Party

Get Fiat Withdrawal Detail

Path: /v2.0/payment/fiat/withdrawal/detail
Method: GET

Response Body Changes:

data

amount

Type: number -> string

estimatedAmountReceivable

Type: number -> string

fees

Type: number -> string

swiftChargingCode

Description Change:
Old:
New: 1-BEN (Beneficiary Pays All Fees), 2-OUR (Sender Pays All Fees), 3-SHA (Shared Fees).

withdrawalType

Description Change:
Old: First or third party withdrawal
New: First or third party withdrawal Enum values: 1: First Party 2: Third Party

Get Fiat Withdrawal History

Path: /v2.0/payment/fiat/withdrawal/history
Method: GET

Response Body Changes:

data

endTime

Description Change:
Old: The end time
New: The end time (Unix timestamp in milliseconds)

startTime

Description Change:
Old: The start time
New: The start time (Unix timestamp in milliseconds)

transactions

amount

Type: number -> string

estimatedAmountReceivable

Type: number -> string

fees

Type: number -> string

swiftChargingCode

Description Change:
Old:
New: Swift charging code: 1-BEN (Beneficiary Pays All Fees), 2-OUR (Sender Pays All Fees), 3-SHA (Shared Fees).

withdrawalType

Description Change:
Old: First or third party withdrawal
New: First or third party withdrawal Enum values: - 1 - 2

Crypto Payment

Crypto Deposit

Get Crypto Deposit

Path: /v1.0/payment/getCryptoDeposit → /v2.0/payment/getCryptoDeposit
Method: GET

Response Body Changes:

data

udpatedAt (Deleted)

Type: integer

Required: False

Description: Update time

updatedAt (Added)

Type: integer

Required: False

Description: Update time

status

Description Change:
Old: Status
New: Status 1 DETECTED 2 CONFIRMED 3 KYT FAILED 4 PENDING TRAVELRULE 5 TRAVELRULE COMPLETED 6 REJECTED 7 COMPLETED 8 CANCELLED 9 REFUNDED

Enum Change: Add: [9]

Get Crypto Deposit History

Path: /v1.0/payment/getCryptoDepositHistory → /v2.0/payment/getCryptoDepositHistory
Method: GET

Response Body Changes:

data

transactions

udpatedAt (Deleted)

Type: integer

Required: False

Description: Update time

updatedAt (Added)

Type: integer

Required: False

Description: Update time

status

Description Change:
Old: Status
New: Status 1 DETECTED 2 CONFIRMED 3 KYT FAILED 4 PENDING TRAVELRULE 5 TRAVELRULE COMPLETED 6 REJECTED 7 COMPLETED 8 CANCELLED 9 REFUNDED

Enum Change: Add: [9]

Get Crypto Deposit Wallet

Path: /v1.0/crm/deposit/wallet → /v2.0/crm/deposit/wallet
Method: GET

Update Crypto Deposit Travel Rule Info

Path: /v1.0/payment/crypto/updateCryptoDepositTravelRuleInfo → /v2.0/payment/crypto/updateCryptoDepositTravelRuleInfo
Method: POST

Request Body Changes:

ownerInfo

Required: False -> True

Description Change:
Old: required if "isOwner" is false
New: Owner information

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

Response Body Changes:

data

Type: object -> null

Required: True -> False

Crypto Payment

Crypto Withdrawal

Create Crypto Withdrawal

Path: /v1.0/payment/crypto/createCryptoWithdrawal → /v2.0/payment/crypto/createCryptoWithdrawal
Method: POST

Request Body Changes:

amount

Type: number -> string

Response Body Changes:

data

amount

Type: number -> string

beneficiaryWallet

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

feeAmount

Type: number -> string

Get Crypto Withdrawal

Path: /v1.0/payment/getCryptoWithdrawal → /v2.0/payment/getCryptoWithdrawal
Method: GET

Response Body Changes:

data

amount

Type: number -> string

beneficiaryWallet

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

feeAmount

Type: number -> string

Get Crypto Withdrawal History

Path: /v1.0/payment/getCryptoWithdrawalHistory → /v2.0/payment/getCryptoWithdrawalHistory
Method: GET

Response Body Changes:

data

transactions

amount

Type: number -> string

beneficiaryWallet

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

feeAmount

Type: number -> string

Get Wallet Address

Path: /v1.0/payment/crypto/getWalletAddress → /v2.0/payment/crypto/getWalletAddress
Method: GET

Response Body Changes:

data

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

Register Wallet Address

Path: /v1.0/payment/crypto/registerWalletAddress → /v2.0/payment/crypto/registerWalletAddress
Method: POST

Request Body Changes:

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

Response Body Changes:

data

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

Remove Wallet Address

Path: /v1.0/payment/crypto/removeWalletAddress → /v2.0/payment/crypto/removeWalletAddress
Method: POST

Conversion

Create Conversion

Path: /v1.0/trade/conversion/createConversion → /v2.0/trade/conversion/createConversion
Method: POST

Create Quotation

Path: /v1.0/trade/conversion/createQuotation → /v2.0/trade/conversion/createQuotation
Method: POST

Request Body Changes:

clientReference (Deleted)

Type: string

Required: False

Response Body Changes:

data

clientReference (Deleted)

Type: string

Required: False

Get Conversion

Path: /v1.0/trade/conversion/getConversion → /v2.0/trade/conversion/getConversion
Method: GET

Get Quotation

Path: /v1.0/trade/conversion/getQuotation → /v2.0/trade/conversion/getQuotation
Method: GET

Tool

Upload File

Path: /v2.0/auth/tools/upload
Method: POST

Response Body Changes:

fileId (Deleted)

Type: string

Required: False

Description: The unique id of the uploaded file

fileSize (Deleted)

Type: integer

Required: False

Description: The size of the uploaded file (byte)

code (Added)

Type: string

Required: True

Description: Response Code

data (Added)

Type: object

Required: True

msg (Added)

Type: string

Required: False

Description: Response Message

getTnC

Path: /v2.0/tool/getTnC/{tncId}
Method: GET

Response Body Changes:

data

effectiveFrom

Type: string -> integer

Description Change:
Old: Effective date of the T&C
New: Effective date of the T&C (Unix timestamp in milliseconds)

Webhooks

Conversion Webhook

Type: Webhook
Name: Conversion Webhook
Method: POST

Request Body Changes:

eventType

Description Change:
Old: api_conversion_status_update
New: conversion.updated.v2

Crypto Deposit Webhook

Type: Webhook
Name: Crypto Deposit Webhook
Method: POST

Request Body Changes:

data

udpatedAt (Deleted)

Type: integer

Required: False

Description: Update time

updatedAt (Added)

Type: integer

Required: False

Description: Update time

status

Description Change:
Old: Status
New: Status 1 DETECTED 2 CONFIRMED 3 KYT FAILED 4 PENDING TRAVELRULE 5 TRAVELRULE COMPLETED 6 REJECTED 7 COMPLETED 8 CANCELLED 9 REFUNDED

Enum Change: 新增: [9]

eventType

Description Change:
Old: Webhook event type = "api_deposit_crypto_status_update"
New: crypto.deposit.updated.v2

Crypto Withdrawal Webhook

Type: Webhook
Name: Crypto Withdrawal Webhook
Method: POST

Request Body Changes:

data

amount

Type: number -> string

beneficiaryWallet

platformUserId

Description Change:
Old: Platform user id
New: required if "walletType" is "Platform Wallet"

feeAmount

Type: number -> string

eventType

Description Change:
Old: api_withdrawal_crypto_status_update
New: crypto.withdrawal.updated.v2

Fiat Account Request Status Webhook

Type: Webhook
Name: Fiat Account Request Status Webhook
Method: POST

Request Body Changes:

data

status

Description Change:
Old: Status of the request
New: Status of the request Enum values: - 1: PENDING - 2: PROCESSING - 3: ACTIVE - 4: REJECTED

eventType

Description Change:
Old: api_fiat_account_request_status_update
New: fiat.account.request.updated.v2

Fiat Deposit Webhook

Type: Webhook
Name: Fiat Deposit Webhook
Method: POST

Request Body Changes:

data

createdAt

Type: string -> integer

Description Change:
Old: Timestamp of deposit transaction, ISO-8601
New: Timestamp of deposit transaction (Unix timestamp in milliseconds)

eventType

Description Change:
Old: Webhook event type = "api_deposit_status_update"
New: fiat.deposit.updated.v2

Fiat Withdrawal Webhook

Type: Webhook
Name: Fiat Withdrawal Webhook
Method: POST

Request Body Changes:

data

amount

Type: number -> string

estimatedAmountReceivable

Type: number -> string

fees

Type: number -> string

swiftChargingCode

Description Change:
Old:
New: Swift charging code: 1-BEN (Beneficiary Pays All Fees), 2-OUR (Sender Pays All Fees), 3-SHA (Shared Fees).

withdrawalType

Description Change:
Old: First or third party withdrawal
New: First or third party withdrawal Enum values: 1: First Party 2: Third Party

eventType

Description Change:
Old: Webhook event type = "api_withdrawal_status_update"
New: fiat.withdrawal.updated.v2

Merchant Status Webhook

Type: Webhook
Name: Merchant Status Webhook
Method: POST

Request Body Changes:

data

updateAt (Deleted)

Type: integer

Required: True

Description: Update timestamp, UNIX timestamp in milliseconds (e.g., 1715000000000)

updatedAt (Added)

Type: integer

Required: True

Description: Update timestamp, UNIX timestamp in milliseconds (e.g., 1715000000000)

merchantInfo

merchantDetails

personalDetails

contactNumber

Description Change:
Old:
New: Phone number for contact, country code + Number. eg, +65 87654321

dateOfBirth

Description Change:
Old: Date of birth (UTC format)
New: Date of birth, format: YYYY-MM-DD, e.g., 1990-05-15

taxResidency

Description Change:
Old:
New: The country of tax residency (Country Code in ISO 3166-1 alpha-2 format)

corporationDetails

dateOfIncorporation

Description Change:
Old: Date of Incoporation
New: Date of Incoporation, format: YYYY-MM-DD, e.g., 1990-05-15

status

Description Change:
Old: Indicates the current status of the application
New: Indicates the current status of the application Enum values: - 1: PROCESSING - 2: APPROVED - 3: REJECTED

eventType

Description Change:
Old: Webhook event type = "api_merchant_status_update_v2"
New: merchant.updated.v2

Deleted APIs

The following 2 APIs have been completely removed in v2.1:

Method	Path	Name
GET	`/v1.0/payment/getStatement`	Get Settlement Statement

20260602

Executive Summary

Status	Count	Note
New APIs	4	-
Deleted APIs	0	Fully removed
Modified APIs	0	With field-level changes

New APIs

Method	Path	Name
POST	`/v2.0/payment/statements`	Create statement
GET	`/v2.0/payment/statements/{statementId}`	Get statement overview
GET	`/v2.0/payment/statements/{statementId}/entries`	Get statement entries
GET	`/v2.0/payment/statements/{statementId}/transactions`	Get statement transactions

20260612

Executive Summary

Status	Count	Note
New APIs	4	-
Deleted APIs	0	Fully removed
Modified APIs	0	With field-level changes

New APIs

Method	Path	Name
POST	`/v2.0/payment/withdrawal/feeEstimate`	Fee Estimate
GET	`/v2.0/points/balance`	Get Points Balance
GET	`/v2.0/points/transactions`	List Points Transactions
GET	`/v2.0/points/transactions/detail`	Get Points Transaction Detail

20260616

Changelog 20260616

Executive Summary

Status	Count	Note
New APIs	0	—
Deleted APIs	0	—
Modified APIs	3	Field-level changes only

Breaking change: No. All v2.0 valid requests remain valid in 20260616. URL paths, request/response structure, and field types are unchanged.

Detailed API Changes

1. Create Merchant

Path: /v2.0/crm/addressBook/createMerchant (unchanged)

Method: POST

Summary Change: Unchanged.

Description Change: Updated to reflect 20260616 tier rules and new fields.

Request Body Changes

merchantDetails → additionalCorporationDetails → natureOfBusiness (Modified)

Property	Old	New
Type	integer	integer (unchanged)
Required	Yes (tier 3 only)	Yes (all tiers)
Enum values	1–18	1–24
Description	"The nature of the company's business"	Extended with full label mapping

Enum label changes (1–18):

Value	Old Label	New Label
2	Manufacturing	Manufacturing and Industrial
6	Hospitality and Tourism	Hospitality and Travel
7	Real Estate and Construction	Real Estate and E-Commerce
8	Health Care and Pharmaceuticals	Healthcare
9	Professional and Services	Professional Services
16	Multimedia and Entertainment	Media and Entertainment
17	Cryptocurrency Mining	Cryptocurrency & Digital Assets

Values 1, 3, 4, 5, 10, 11, 12, 13, 14, 15, 18 (Others) — labels unchanged. Integer values unchanged. No code change required for existing integrations.

New enum values (19–24):

Value	Label
19	Insurance & Wealth
20	Trading & Commodities
21	Digital Products & Online Services
22	Business Support Services
23	Gaming
24	Advertising

merchantDetails → additionalCorporationDetails → otherNatureOfBusiness (New)

Property	Value
Type	string
Required	No (optional)
Description	Specific business nature description. Use when `natureOfBusiness = 18` (Others).

merchantDetails → additionalCorporationDetails → sourceOfWealth (Modified)

Property	Old	New
Type	array[string]	array[string] (unchanged)
Required	No	Yes (tier 3)
Description	"Source of wealth (If HIGH risk and/or PEP)"	"Source of wealth. Required for tier 3 as of 20260616."

merchantDetails → additionalPersonalDetails → sourceOfWealth (Modified)

Property	Old	New
Type	array[string]	array[string] (unchanged)
Required	No	Yes (tier 3)
Description	"Source of wealth"	"Source of wealth. Required for tier 3 as of 20260616."

Tier Rule Changes

Tier	Old Behavior	New Behavior
Tier 1/2 (Corporate)	`additionalCorporationDetails` not available	Can submit `additionalCorporationDetails` with only `natureOfBusiness` (and optional `otherNatureOfBusiness`). The 8-field `required` constraint is waived for this case (server-side exception).
Tier 3 (Corporate)	`additionalCorporationDetails` required; `sourceOfWealth` optional	`additionalCorporationDetails` required; `sourceOfWealth` now required (8 fields: `operatingAddress`, `companyType`, `descriptionOfBusiness`, `purposesOfAccountOpening`, `sourceOfFunds`, `authSignatories`, `directors`, `sourceOfWealth`)
Tier 3 (Individual)	`additionalPersonalDetails` optional; `sourceOfWealth` optional	`additionalPersonalDetails` optional; `sourceOfWealth` now required when the block is submitted (4 fields: `occupation`, `purposesOfAccountOpening`, `sourceOfFunds`, `sourceOfWealth`)

2. Get Merchant

Path: /v2.0/crm/addressBook/getMerchant (unchanged)

Method: GET

Summary Change:

Old: Get Merchant

New: Get Merchant Details

Description Change: Updated to note that 20260616 response includes natureOfBusiness, otherNatureOfBusiness, and sourceOfWealth in additional details blocks.

Response Body Changes

No structural changes. The following fields may now appear in the response (returned when present on the merchant record):

Field	Location	Type
`natureOfBusiness`	`merchantInfo.merchantDetails.additionalCorporationDetails`	integer (1–24)
`otherNatureOfBusiness`	`merchantInfo.merchantDetails.additionalCorporationDetails`	string
`sourceOfWealth`	`merchantInfo.merchantDetails.additionalCorporationDetails`	array[string]
`sourceOfWealth`	`merchantInfo.merchantDetails.additionalPersonalDetails`	array[string]

3. Merchant Status Webhook

Path: Partner-implemented webhook endpoint (unchanged)

Method: POST

Summary Change: Unchanged.

Description Change: Updated to note 20260616 payload backward compatibility.

Payload Changes

No structural changes. The webhook payload (eventType, notificationId, data with applicationId / merchantInfo / status / statusInfo / updatedAt) is unchanged from v2.0.

New fields (natureOfBusiness, otherNatureOfBusiness, sourceOfWealth) are included within merchantInfo when present on the merchant record.

Migration Guide

No action required if:

You already submit sourceOfWealth in tier 3 merchant creation — your existing requests remain valid.

You consume webhooks — the payload structure is unchanged.

Action required if:

All merchants (tier 1/2/3): natureOfBusiness is now required for every corporate merchant creation. Submit it within additionalCorporationDetails.

Tier 3 merchants: sourceOfWealth is now required in both additionalCorporationDetails (CORPORATE) and additionalPersonalDetails (INDIVIDUAL).

Full natureOfBusiness Enum (20260616)

Value	Label	Status
1	Financial Services	Unchanged
2	Manufacturing and Industrial	Renamed
3	Information Technology	Unchanged
4	Agriculture and Farming	Unchanged
5	Retail and Wholesale	Unchanged
6	Hospitality and Travel	Renamed
7	Real Estate and E-Commerce	Renamed
8	Healthcare	Renamed
9	Professional Services	Renamed
10	Education and Training	Unchanged
11	Non Profit and Charity	Unchanged
12	Transaction and Logistics	Unchanged
13	Energy and Utilities	Unchanged
14	Telecommunications	Unchanged
15	Government and Public Sector	Unchanged
16	Media and Entertainment	Renamed
17	Cryptocurrency & Digital Assets	Renamed
18	Others	Unchanged
19	Insurance & Wealth	New
20	Trading & Commodities	New
21	Digital Products & Online Services	New
22	Business Support Services	New
23	Gaming	New
24	Advertising	New

20260707

Changelog 20260707

Executive Summary

Status	Count	Note
New APIs	17	Crypto Checkout
Deleted APIs	0	—
Modified APIs	9	Withdrawal — amount semantics clarification (field-level only)

Breaking change: No. All v2.0 valid requests remain valid in 20260707. Existing withdrawal integrations are backward-compatible; checkout APIs are additive.

Part A: Crypto Checkout (New APIs)

A.1 API Summary

Crypto Checkout

Method	Path	Name	Status
POST	`/v2.0/payment/crypto/checkouts`	Create Checkout	released
POST	`/v2.0/payment/crypto/checkouts/quotations`	Create Checkout Quotation	released
POST	`/v2.0/payment/crypto/checkouts/{checkoutId}/confirm`	Confirm Checkout	released
POST	`/v2.0/payment/crypto/checkouts/{checkoutId}/accept`	Accept Checkout	developing
GET	`/v2.0/payment/crypto/checkouts/history`	List Checkout History	developing
GET	`/v2.0/payment/crypto/checkouts/{checkoutId}`	Get Checkout Detail	released
POST	`/v2.0/payment/crypto/checkouts/{checkoutId}/close`	Close Checkout	released
GET	`/v2.0/payment/crypto/checkouts/cryptos`	Get Checkout Acceptable Cryptos	released
POST	(partner webhook)	Checkout Status Webhook	released

Crypto Refund

Method	Path	Name	Status
POST	`/v2.0/payment/crypto/refunds/refund`	Create Refund	released
POST	`/v2.0/payment/crypto/refunds/risk-refund`	Create Risk Refund	released
POST	`/v2.0/payment/crypto/refunds/void`	Create Void Refund	released
POST	`/v2.0/payment/crypto/refunds/{refundId}/close`	Close Refund	released
GET	`/v2.0/payment/crypto/refunds/{refundId}`	Get Refund Detail	released
GET	`/v2.0/payment/crypto/checkouts/{checkoutId}/refundable-info`	Get Checkout Refundable Info	released
POST	(partner webhook)	Refund Status Webhook	released

Address

Method	Path	Name	Status
POST	`/v2.0/payment/crypto/addresses/validate`	Validate Crypto Address	released

A.2 Detailed Endpoint Descriptions

A.2.1 Create Checkout

POST /v2.0/payment/crypto/checkouts

Create a new crypto checkout order. Supports individual and corporate buyers with tiered KYC requirements (threshold: 1000 USD).

Request Body

Field	Type	Required	Description
`participantCode`	string	Yes	Participant's (merchant) code
`orderAmount`	string	Yes	Amount to be paid
`orderCurrency`	string	Yes	Payment currency code (e.g. USD)
`expiry`	integer	Yes	Order expiration timestamp in milliseconds
`buyerInfo`	oneOf	Yes	IndividualBuyerInfo or CorporateBuyerInfo (see below)
`productInfo`	object	Yes	`{"productName" (required), "description", "productImageUrl"}`
`clientCheckoutId`	string	Yes	External client checkout ID (unique per merchant)
`checkoutConfiguration`	object	No	UI/UX config: `merchantName`, `merchantLogo`, `redirectUrl`, `customerSupportEmail`, `defaultLanguage` (`ENGLISH`/`CHINESE`), `checkoutLinkLogo`, `feeBearer` (`BUYER`/`MERCHANT`)
`paymentMethod`	object	No	Pre-select `{"paymentCurrency", "blockchain"}`. If provided, `acceptableCryptos` in response is null

Individual Buyer (buyerInfo oneOf option 1):

Field	Type	Required	Description
`firstName`	string	Yes	First name
`lastName`	string	Yes	Last name
`middleName`	string	No	Middle name
`residentialAddress`	object	≥1000 USD	Address fields: `country`, `state`, `city`, `postcode`, `addressLine1`, `addressLine2`
`identityType`	string	No	`PASSPORT` or `NRIC`
`identityNumber`	string	≥1000 USD	Identity document number
`dateOfBirth`	string	≥1000 USD	Format: YYYY-MM-DD
`placeOfBirth`	string	≥1000 USD	Place of birth
`nationality`	string	No	ISO 3166-1 alpha-2

≥1000 USD: at least one of {residentialAddress, identityNumber, dateOfBirth + placeOfBirth} required.

Corporate Buyer (buyerInfo oneOf option 2):

Field	Type	Required	Description
`companyName`	string	Yes	Company name
`registeredAddress`	object	≥1000 USD	Registered business address
`businessRegistrationNumber`	string	≥1000 USD	Business registration number
`countryOfIncorporation`	string	≥1000 USD	ISO 3166-1 alpha-2
`dateOfRegistration`	string	≥1000 USD	Date of registration

Response (200)

Field	Type	Description
`checkoutId`	string	e.g. `CKO_20240115_001`
`status`	string	`OPENING`
`checkoutUrl`	string (uri)	Checkout page URL
`orderAmount`	string	Order amount
`orderCurrency`	string	Order currency
`createdAt`	integer	Creation timestamp
`acceptableCryptos`	array	Accepted `[{cryptoCurrency, blockchains[]}]` (null if `paymentMethod` specified)
`checkoutConfiguration`	object	Echo of config
`paymentMethod`	object	Payment method details

Errors: 400 BadRequest, 401 Unauthorized

A.2.2 Create Checkout Quotation

POST /v2.0/payment/crypto/checkouts/quotations

Create an exchange rate quotation for a checkout order.

Request Body

Field	Type	Required	Description
`participantCode`	string	Yes	Participant code
`orderAmount`	string	Yes	Order amount
`orderCurrency`	string	Yes	Order currency code
`paymentCurrency`	string	Yes	Payment cryptocurrency (e.g. USDT)

Response (200)

Field	Type	Description
`quotationId`	string	Quotation ID
`participantCode`	string	Participant code
`price`	string	Exchange rate
`paymentAmount`	string	Amount in cryptocurrency
`paymentCurrency`	string	Payment cryptocurrency
`orderAmount`	string	Order amount
`orderCurrency`	string	Order currency
`quotationExpiry`	integer	Expiry timestamp (ms)

Errors: 400 BadRequest

A.2.3 Confirm Checkout

POST /v2.0/payment/crypto/checkouts/{checkoutId}/confirm

Confirm a checkout with selected cryptocurrency and blockchain. Optionally reuses an existing quotation.

Path Parameters

Parameter	Type	Required
`checkoutId`	string	Yes

Request Body

Field	Type	Required	Description
`paymentCurrency`	string	Yes	e.g. USDT
`blockchain`	string	Yes	e.g. TRC20
`quotationId`	string	No	Quotation ID to reuse
`email`	string	No	Email for refund address collection

Response (200)

Field	Type	Description
`quotationId`	string	Quotation ID
`checkoutId`	string	Checkout ID
`status`	string	`AWAITING_PAYMENT`
`price`	string	Exchange rate
`orderAmount` / `orderCurrency`	string	Order details
`paymentAmount` / `paymentCurrency`	string	Payment details
`payeeFeeAmount`	object	Buyer-side fee `{amount, feeCurrency}`
`payerFeeAmount`	object	Merchant-side fee `{amount, feeCurrency}`
`paymentBlockchain`	string	Blockchain network
`checkoutWallet`	string	Receiving address
`qrCode`	string	Base64-encoded PNG QR
`quotationExpiry`	integer	Expiry (ms)
`email`	string	Refund email

Errors: 400 BadRequest

A.2.4 Accept Checkout

POST /v2.0/payment/crypto/checkouts/{checkoutId}/accept

Status: developing

Accept a checkout with a settlement mode.

Query Parameters

Parameter	Type	Required	Description
`acceptMode`	string	Yes	`ACCEPT` — settle all; `VOID_OVERPAYMENT` — settle paymentAmount & void excess; `VOID_ALL` — void entire order
`refundAddress`	string	No	Refund address for void refunds

Response (200)

Field	Type	Description
`checkoutId`	string	Checkout ID
`status`	string	Order status
`acceptMode`	string	Applied mode
`acceptedAt`	string	Timestamp
`voidRefund`	object	Void refund details (when applicable)

A.2.5 List Checkout History

GET /v2.0/payment/crypto/checkouts/history

Status: developing

List checkout history with time-range filtering and pagination.

Query Parameters

Parameter	Type	Required
`participantCode`	string	No
`startTime`	string	No
`endTime`	string	No
`offset`	string	No

Response (200)

Field	Type	Description
`participantCode`	string	Participant code
`startTime` / `endTime`	string	Query time range
`transactions`	array[CryptoCheckoutDetail]	Checkout records (see A.2.6)
`pagination`	object	`{limit, offset, total, hasMore}`

A.2.6 Get Checkout Detail

GET /v2.0/payment/crypto/checkouts/{checkoutId}

Retrieve full checkout details including payments, conversions, and fees.

Response (200)

Field	Type	Description
`checkoutId`	string	Checkout ID
`participantCode`	string	Participant code
`clientCheckoutId`	string	External client checkout ID
`status`	string	`OPENING` → `AWAITING_PAYMENT` → `RECEIVED` → `SUCCEEDED` → `SETTLED` / `EXPIRED` / `CLOSED`
`orderAmount` / `orderCurrency`	string	Order amount & currency
`paymentAmount` / `paymentCurrency` / `paymentBlockchain`	string	Payment details
`accumulatedAmount`	string	Total received
`quotationId` / `quotationExpiry`	string / integer	Quotation details
`checkoutExpiry`	integer	Checkout expiry (ms)
`email`	string	Refund email
`payeeFeeAmount` / `payerFeeAmount`	object	`{amount, currency}` — buyer/merchant fees
`riskTobeRefund`	boolean	`true` = to be refunded; `false` = not; `null` = no risk
`receivedPayments`	array	See below
`conversions`	array[ConversionInfo]	Conversion records
`createdAt` / `updatedAt`	integer	Timestamps

Received Payment item:

Field	Type	Description
`receivedPaymentId`	string	Payment ID
`paymentSequence`	integer	Sequence number
`paidAmount` / `paidCurrency`	string	Paid amount & currency
`blockchain`	string	Blockchain network
`fromAddress`	string	Sender wallet
`txHash`	string	Transaction hash
`status`	string	`PAYMENT_DETECTED` / `PAYMENT_ACCEPTED` / `PAYMENT_REJECTED` / `PAYMENT_ERROR`

Conversion item:

Field	Type	Description
`conversionId`	string	Conversion ID
`quotationId` / `participantCode` / `price`	string	Related quotation
`sourceCurrency` / `sourceAmount`	string	Source
`destinationCurrency` / `destinationAmount`	string	Destination
`status`	string	`INITIATED` / `COMPLETED` / `CANCELLED`
`createdAt`	integer	Timestamp

Errors: 404 NotFound

A.2.7 Close Checkout

POST /v2.0/payment/crypto/checkouts/{checkoutId}/close

Close or settle a checkout order.

Request Body

Field	Type	Required	Description
`processingResult`	integer	Yes	`1` = To be settled; `2` = To be closed

Response (200)

Field	Type	Description
`checkoutId`	string	Checkout ID
`success`	boolean	Operation result
`closedAt`	integer	Closed timestamp

Errors: 400 BadRequest

A.2.8 Get Checkout Acceptable Cryptos

GET /v2.0/payment/crypto/checkouts/cryptos

Query accepted cryptocurrencies and blockchains for a participant and currency pair.

Query Parameters

Parameter	Type	Required
`participantCode`	string	Yes
`orderCurrency`	string	Yes

Response (200)

Field	Type	Description
`participantCode`	string	Participant code
`orderCurrency`	string	Order currency
`acceptableCryptos`	array	`[{cryptoCurrency, blockchains[]}]`

Errors: 404 NotFound

A.2.9 Checkout Status Webhook

POST (partner webhook)

Event type: crypto.checkout.updated.v2. Payload: {eventType, notificationId, data: CryptoCheckoutDetail}. Respond with HTTP 200.

A.2.10 Create Refund

POST /v2.0/payment/crypto/refunds/refund

Standard post-settlement refund with configurable fee bearer.

Request Body

Field	Type	Required	Description
`originalTransactionType`	string	Yes	`CHECKOUT` or `COLLECTION`
`originalTransactionId`	string	Yes	Original transaction ID
`amount`	string	Yes	Refund amount in order currency
`refundCurrency`	string	Yes	Order currency (e.g. USD)
`feeBearer`	string	Yes	`BUYER` or `MERCHANT`
`clientRefundId`	string	Yes	External refund ID (unique)
`refundInfo`	oneOf	Yes	`{"email"}` or `{"refundAddress"}`

Response (200)

Field	Type	Description
`refundId`	string	e.g. `REF_20240115_001`
`refundType`	string	`REFUND`
`originalTransactionId`	string	Original transaction ID
`clientRefundId`	string	External refund ID
`amount` / `currency`	string	Refund amount & currency
`blockchain`	string	Blockchain network
`feeAmount` / `feeCurrency`	string	Transaction fee
`netAmount` / `netAmountCurrency`	string	Net received amount
`status`	string	`INITIATED` → `PROCESSING` → `COMPLETED` / `REJECTED` / `CLOSED`
`email` / `refundAddress`	string	Refund destination

Errors: 400 BadRequest

A.2.11 Create Risk Refund

POST /v2.0/payment/crypto/refunds/risk-refund

KYT-triggered risk refund. Supports CHECKOUT, COLLECTION, and DEPOSIT original transaction types.

Request Body

Field	Type	Required	Description
`originalTransactionType`	string	Yes	`CHECKOUT`, `COLLECTION`, or `DEPOSIT`
`originalTransactionId`	string	Yes	Original transaction ID
`clientRefundId`	string	Yes	External refund ID (unique)
`refundCurrency`	string	No	Refund cryptocurrency
`blockchain`	string	No	Blockchain network
`refundInfo`	oneOf	Yes	`{"email"}` or `{"refundAddress"}`

Response (200)

Same as Create Refund, with refundType = RISK_REFUND.

Errors: 400 BadRequest

A.2.12 Create Void Refund

POST /v2.0/payment/crypto/refunds/void

Pre-settlement void. Used for overpayment, incomplete order, and wrong-currency refunds.

Request Body

Field	Type	Required	Description
`originalTransactionType`	string	Yes	`CHECKOUT` or `COLLECTION`
`originalTransactionId`	string	Yes	Original transaction ID
`clientRefundId`	string	Yes	External refund ID (unique)
`refundCurrency`	string	No	Refund cryptocurrency
`blockchain`	string	No	Blockchain network
`refundInfo`	oneOf	Yes	`{"email"}` or `{"refundAddress"}`

Response (200)

Same as Create Refund, with refundType = VOID.

Errors: 400 BadRequest

A.2.13 Close Refund

POST /v2.0/payment/crypto/refunds/{refundId}/close

Confirm and close a refund order. Empty request body {}.

Response (200)

Field	Type	Description
`refundId`	string	Refund ID
`success`	boolean	Operation result
`closedAt`	integer	Closed timestamp

Errors: 400 BadRequest

A.2.14 Get Refund Detail

GET /v2.0/payment/crypto/refunds/{refundId}

Retrieve full refund details including on-chain transaction info.

Response (200)

Field	Type	Description
`refundId`	string	Refund ID
`refundType`	string	`VOID`, `RISK_REFUND`, or `REFUND`
`originalTransactionId`	string	Original transaction ID
`participantCode`	string	Merchant code
`clientRefundId`	string	External refund ID
`status`	string	`INITIATED` / `PROCESSING` / `COMPLETED` / `REJECTED` / `CLOSED`
`reason`	string	Failure reason (when applicable)
`blockchain`	string	Blockchain network
`currency` / `amount`	string	Refund currency & amount
`email` / `refundAddress`	string	Refund destination
`feeCurrency` / `feeAmount`	string	Fee details
`netAmount` / `netAmountCurrency`	string	Net received
`txHash`	string	On-chain transaction hash
`createdAt` / `updatedAt`	integer	Timestamps

Errors: 404 NotFound

A.2.15 Get Checkout Refundable Info

GET /v2.0/payment/crypto/checkouts/{checkoutId}/refundable-info

Query refundable (settled), voidable, and KYT risk-refundable amounts. Categories with no data are null. An order with nothing refundable still returns 200.

Query Parameters

Parameter	Type	Required
`participantCode`	string	Yes

Response (200)

Field	Type	Description
`checkoutId`	string	Checkout ID
`refundableItem`	object \| null	Settled refundable balance
`voidableItems`	array \| null	VOID amounts
`riskRefundableItems`	array \| null	Risk-refundable amounts

Each line item: {amount: {amount, currency}, chainCode}.

Errors: 404 NotFound

A.2.16 Refund Status Webhook

POST (partner webhook)

Event type: crypto.refund.updated.v2. Payload: {eventType, notificationId, data: CryptoRefundDetail}. Respond with HTTP 200.

A.2.17 Validate Crypto Address

POST /v2.0/payment/crypto/addresses/validate

Validate on-chain address format for a given blockchain. HTTP 200 whenever the check ran; outcome is in data.valid.

Request Body

Field	Type	Required	Description
`blockchain`	string	Yes	e.g. ETH
`address`	string	Yes	On-chain address

Response (200)

Field	Type	Description
`blockchain`	string	Echo of request
`address`	string	Echo of request
`valid`	boolean	`true` = valid format; `false` = invalid

Failure codes (valid: false):

failureCode	Meaning
`INVALID_ADDRESS`	Address format incorrect for blockchain
`VALIDATION_UNAVAILABLE`	Validation query failed; retry later

Errors: 400 BadRequest

Part B: Withdrawal Amount Semantics (Modified APIs)

B.1 Motivation

The withdrawal API (both crypto and fiat) previously relied on implicit conventions to determine whether amount represented a gross debit amount (total deducted from account, including fees) or a net received amount (amount the payee receives, excluding fees). This convention was derived from withdrawalType (for fiat) or beneficiaryWallet ownership (for crypto), which created ambiguity and integration complexity.

This update introduces explicit amount semantics via amountType, adds fee bearer declaration via feeBearer, and formally separates debit / received amounts in the response via dedicated fields (debitAmount, receivedAmount). For fiat withdrawals, feeAmount and feeCurrency are added to the response (crypto withdrawal already had these fields). Legacy response fields (fees, estimatedAmountReceivable) are retained as aliases.

B.2 Detailed API Changes

B.2.1 Create Crypto Withdrawal

Path: /v2.0/payment/crypto/createCryptoWithdrawal (unchanged)

Method: POST

Summary Change: Added amountType and feeBearer request fields; amount semantics clarified.

Request Body Changes

amountType (New)

Property	Value
Type	integer
Required	Yes (for new integrations)
Enum values	1 = Debit (gross debit amount), 2 = Receive (net received amount)
Default (backward compat)	Falls back on `beneficiaryWallet` ownership: first-party wallet → Debit, third-party wallet → Receive
Description	Explicitly declares the meaning of `amount`. New integrations must provide this field.

feeBearer (New)

Property	Value
Type	integer
Required	No (optional)
Enum values	1 = Customer (borne by trading party), 2 = Partner (borne by platform partner)
Default	1 (Customer)
Description	Which participant account bears the platform fee. Default behavior is unchanged from v2.0.

amount (Modified)

Property	Old	New
Type	string	string (unchanged)
Required	Yes	Yes (unchanged)
Meaning	Implicitly derived from `withdrawalType`	Explicitly declared by `amountType`

When amountType is not provided, the backend falls back on the existing beneficiaryWallet logic. Existing integrations do not need to change.

Response Body Changes

Field	Type	Description
`amountType`	integer	Echoed from request. 1=Debit, 2=Receive.
`feeBearer`	integer	Echoed from request. 1=Customer, 2=Partner.
`debitAmount`	string	Gross debit amount. The relationship `debitAmount = receivedAmount + feeAmount` always holds. `feeBearer=1`: full amount from trading party account; `feeBearer=2`: fee portion from partner account instead.
`receivedAmount`	string	Net amount received by payee (excluding platform fees).

Legacy fields unchanged. The above fields are additional — existing response fields remain.

B.2.2 Get Crypto Withdrawal

Path: /v2.0/payment/getCryptoWithdrawal (unchanged)

Method: GET

Summary Change: Response now includes amountType, feeBearer, debitAmount, receivedAmount.

Response Body Changes

Field	Type	Description
`amountType`	integer	1=Debit, 2=Receive. Echoed from creation-time value.
`feeBearer`	integer	1=Customer, 2=Partner. Echoed from creation-time value.
`debitAmount`	string	Gross debit amount.
`receivedAmount`	string	Net amount received by payee.

All existing response fields unchanged. New fields are additive only.

B.2.3 Get Crypto Withdrawal History

Path: /v2.0/payment/getCryptoWithdrawalHistory (unchanged)

Method: GET

Summary Change: Each history item now includes amountType, feeBearer, debitAmount, receivedAmount.

Same field additions as Get Crypto Withdrawal — each object in the history list gains the four fields above.

B.2.4 Crypto Withdrawal Webhook

Path: Partner-implemented webhook endpoint (unchanged)

Method: POST

Summary Change: Webhook payload now includes amountType, feeBearer, debitAmount, receivedAmount.

Payload Changes

Field	Type	Description
`amountType`	integer	1=Debit, 2=Receive
`feeBearer`	integer	1=Customer, 2=Partner
`debitAmount`	string	Gross debit amount
`receivedAmount`	string	Net amount received by payee

Existing payload fields unchanged. Webhook signature verification, retry policy, and security model are unchanged.

B.2.5 Create Fiat Withdrawal

Path: /v2.0/payment/fiat/createWithdrawal (unchanged)

Method: POST

Summary Change: Added amountType and feeBearer request fields; amount semantics clarified.

Request Body Changes

amountType (New)

Property	Value
Type	integer
Required	Yes (for new integrations)
Enum values	1 = Debit (gross debit amount), 2 = Receive (net received amount)
Default (backward compat)	Falls back on `withdrawalType`: withdrawalType=1 (First Party) → Debit, withdrawalType=2 (Third Party) → Receive
Description	Explicitly declares the meaning of `amount`. New integrations must provide this field.

feeBearer (New)

Property	Value
Type	integer
Required	No (optional)
Enum values	1 = Customer (borne by trading party), 2 = Partner (borne by platform partner)
Default	1 (Customer)
Description	Which participant account bears the platform fee. Default behavior is unchanged.

amount (Modified)

Property	Old	New
Meaning	Implicitly derived from `withdrawalType`	Explicitly declared by `amountType`

Response Body Changes

Field	Type	Description
`amountType`	integer	Echoed from request. 1=Debit, 2=Receive.
`feeBearer`	integer	Echoed from request. 1=Customer, 2=Partner.
`debitAmount`	string	Gross debit amount — total actually debited from the trading party account.
`feeAmount`	string	Platform fee amount. Alias for legacy field `fees`.
`feeCurrency`	string	Fee currency (uppercase ISO 4217). Typically same as `currency`.
`receivedAmount`	string	Net amount received by payee. Alias for legacy field `estimatedAmountReceivable`.

Legacy Fields Retained as Aliases:

Legacy Field	Equivalent
`fees`	`feeAmount`
`estimatedAmountReceivable`	`receivedAmount`

Both legacy and new field names are returned. No removal of existing fields.

B.2.6 Get Fiat Withdrawal Detail

Path: /v2.0/payment/fiat/withdrawal/detail (unchanged)

Method: GET

Summary Change: Response now includes the six new fields plus legacy aliases.

Same field additions as Create Fiat Withdrawal response. Fields echoed from creation-time values. Legacy fees and estimatedAmountReceivable retained as aliases.

B.2.7 Get Fiat Withdrawal History

Path: /v2.0/payment/fiat/withdrawal/history (unchanged)

Method: GET

Summary Change: Each history item now includes the six new fields plus legacy aliases.

Same as Get Fiat Withdrawal Detail — each object in the history list gains the new fields.

B.2.8 Fiat Withdrawal Webhook

Path: Partner-implemented webhook endpoint (unchanged)

Method: POST

Summary Change: Webhook payload now includes all six new fields plus legacy aliases.

Payload Changes

Field	Type	Description
`amountType`	integer	1=Debit, 2=Receive
`feeBearer`	integer	1=Customer, 2=Partner
`debitAmount`	string	Gross debit amount
`feeAmount`	string	Platform fee (alias for legacy `fees`)
`feeCurrency`	string	Fee currency
`receivedAmount`	string	Net amount received (alias for legacy `estimatedAmountReceivable`)

Legacy fields fees and estimatedAmountReceivable are retained as aliases in the webhook payload.

B.2.9 Fee Estimate (Withdrawal)

Path: /v2.0/payment/withdrawal/feeEstimate (unchanged)

Method: POST

Summary Change: Field renames for naming consistency (non-breaking; pre-production); added feeBearer to request and response.

Non-breaking: The totalAmount → debitAmount and receiveAmount → receivedAmount renames occurred before production release. No client code is affected.

Request Body Changes

feeBearer (New)

Property	Value
Type	string
Required	No (optional)
Enum values	`CUSTOMER` (default), `PARTNER`
Description	Which participant account bears the platform fee.

debitAmount (Renamed from totalAmount, pre-production)

Property	Old	New
Name	`totalAmount`	`debitAmount`
Type	string	string (unchanged)
Description	Gross debit amount (FIRST_PARTY only). Mutually exclusive with `receivedAmount`.

receivedAmount (Renamed from receiveAmount, pre-production)

Property	Old	New
Name	`receiveAmount`	`receivedAmount`
Type	string	string (unchanged)
Description	Net received amount (THIRD_PARTY only). Mutually exclusive with `debitAmount`.

Response Body Changes

feeBearer (New, top-level): CUSTOMER or PARTNER. Echoed from request.

Field Renames (within withPoints and withoutPoints, pre-production):

Old Name	New Name
`totalAmount`	`debitAmount`

B.3 Amount Semantics: Debit vs Receive

amountType	Meaning of `amount`	Account is debited	Payee receives
1 = Debit	Gross debit amount (including fees)	`amount`	`amount - feeAmount`
2 = Receive	Net received amount (excluding fees)	`amount + feeAmount`	`amount`

B.4 Fee Bearer: Customer vs Partner

The relationship debitAmount = receivedAmount + feeAmount always holds, regardless of feeBearer. The feeBearer only determines whose account the fee portion is deducted from.

feeBearer	Fee deducted from	Effect
1 = Customer (default)	Trading party participant account	Full `debitAmount` from trading party account
2 = Partner	Platform partner participant account (fee portion only)	`feeAmount` portion from partner account; remaining from trading party account

Part C: Cross-Cutting Concerns

C.1 Authentication

All APIs use API Key authentication via the X-API-Key header.

C.2 Common Error Responses

Code	Type	Schema
400	BadRequest	`{"code": "INVALID_REQUEST", "message": "...", "data": null}`
401	Unauthorized	`{"code": "UNAUTHORIZED", "message": "Invalid or missing API key"}`
404	NotFound	`{"code": "NOT_FOUND", "message": "Resource not found"}`
500	InternalServerError	`{"code": "INTERNAL_ERROR", "message": "An unexpected error occurred"}`

C.3 Checkout Status Lifecycle

OPENING → AWAITING_PAYMENT → RECEIVED → SUCCEEDED → SETTLED
                  ↓                ↓\n              EXPIRED          CLOSED

C.4 Refund Status Lifecycle

INITIATED → PROCESSING → COMPLETED
                ↓\n            REJECTED
                ↓\n             CLOSED

C.5 Refund Types

Type	Use Case	Endpoint
`REFUND`	Standard post-settlement refund	`/refunds/refund`
`RISK_REFUND`	KYT-triggered risk refund	`/refunds/risk-refund`
`VOID`	Pre-settlement void (overpayment, incomplete order, wrong currency)	`/refunds/void`

Part D: Migration Guide

Withdrawal APIs

No action required if:

You do not call the withdrawal APIs — this update does not affect other endpoints.

You already call withdrawal APIs — your existing v2.0 requests remain valid. The backend applies backward-compatible fallback logic when amountType is absent.

You consume withdrawal webhooks — new fields are purely additive; existing payload fields remain.

Field Reference Mapping

Context	Old Field	New Field	Status
Request (Create Withdrawal)	`amount` (ambiguous)	`amount` + `amountType`	Old format still accepted
Response	`fees`	`feeAmount`	Alias (both returned)
Response	`estimatedAmountReceivable`	`receivedAmount`	Alias (both returned)
Fee Estimate request	`totalAmount`	`debitAmount`	Renamed (pre-production)
Fee Estimate request	`receiveAmount`	`receivedAmount`	Renamed (pre-production)
Fee Estimate response	`totalAmount`	`debitAmount`	Renamed (pre-production)

Checkout APIs

The checkout API surface is additive — no existing integrations are affected.

Summary of All New Fields (20260707)

Checkout

Field	APIs Where Added	Type	Notes
`acceptableCryptos`	Create Checkout response; GET `/cryptos` response	array	Acceptable crypto+blockchain pairs
`refundableItem` / `voidableItems` / `riskRefundableItems`	GET `/refundable-info` response	object/array/null	Refundability breakdown
`valid` / `failureCode`	POST `/addresses/validate` response	boolean/string	Address validation result

Withdrawal (field-level)

Field	APIs Where Added	Type	Enum
`amountType`	Create Crypto/Fiat Withdrawal (request), All queries & webhooks (response)	integer	1=Debit, 2=Receive
`feeBearer`	Create Crypto/Fiat Withdrawal, Fee Estimate (request), All queries & webhooks (response)	integer (withdrawal) / string (feeEstimate)	1/CUSTOMER, 2/PARTNER
`debitAmount`	All query & webhook responses	string	—
`feeAmount`	Fiat query & webhook responses	string	—
`feeCurrency`	Fiat query & webhook responses	string	—
`receivedAmount`	All query & webhook responses	string	—

20260717

Changelog 20260717

Executive Summary

Status	Count	Note
New APIs	2	Merchant Activation (Non-FI partners)
Deleted APIs	0	—
Modified APIs	3	Merchant — `activationStatus` added (field-level)

Breaking change: No. Existing integrations remain compatible — the two activation endpoints are additive; activationStatus is an additive field on existing merchant responses/payloads; request bodies of existing endpoints are unchanged.

Part A: Non-FI Merchant Activation (New)

CAMP partners fall into two types — FI (licensed financial institutions) and Non-FI (non-financial businesses / individuals) — assigned by CAMP when the partner is onboarded. This release introduces merchant activation for Non-FI partners: a merchant created by a Non-FI partner must complete a one-time email OTP activation before it can call fund-write APIs. FI partners require no activation; their API behaviour is unchanged.

A.1 Who Needs to Activate

	FI Partner	Non-FI Partner
After creating a merchant	Ready to use	Activation required
Calling activation endpoints	Returns 400, not needed	Normal
`internalTransfer`	✅ Available	❌ Not available
`activationStatus` value	Always `NO_NEED_ACTIVATION`	Follows the state machine

A.2 Integration Flow

Main call chain: createMerchant → getMerchant → initiateActivation → confirmActivation. getTnC is not part of this chain — it is an auxiliary call used to fetch the agreement link, which the partner places on the OTP entry page for the merchant to review.

A.3 Activation State Machine

Value	Meaning	Fund-write APIs available?
`NOT_ACTIVATED`	Merchant created, activation not yet started	❌
`PENDING_ACTIVATION`	OTP sent to merchant email, awaiting confirmation	❌
`EXPIRED`	OTP expired unused	❌
`LOCKED`	5 wrong OTP attempts, locked for 30 min	❌
`ACTIVATED`	Activated (terminal)	✅ (except `internalTransfer`)
`NO_NEED_ACTIVATION`	FI-partner merchant (terminal)	✅ (all)

A.4 Step-by-Step

Main call chain (4 steps): createMerchant → getMerchant → initiateActivation → confirmActivation. getTnC is an auxiliary call for displaying the agreement (see the note under A.4.3).

A.4.1 Create Merchant · `POST /v2.0/crm/addressBook/createMerchant`

The merchant enters KYC review after creation, with initial activationStatus = NOT_ACTIVATED. The response does not include activationStatus; query it via Get Merchant.

A.4.2 Get Merchant · `GET /v2.0/crm/addressBook/getMerchant`

Query by participantCode or clientReference.

Field	Description
`merchantStatus`	KYC status: `1`=PROCESSING, `2`=APPROVED, `3`=REJECTED
`activationStatus`	Activation state, initially `NOT_ACTIVATED`

Activation can only be initiated after the merchant's KYC is approved (merchantStatus = 2).

A.4.3 Initiate Activation · `POST /v2.0/crm/merchant/initiateActivation`

Request

Field	Type	Required	Description
`participantCode`	string	Yes	Target merchant
`clientReference`	string	No	Idempotency key, ≤100 chars

Response (200)

{
  "code": 200,
  "msg": "success",
  "data": {
    "participantCode": "B0100106",
    "activationStatus": "PENDING_ACTIVATION",
    "otpSentToMaskedEmail": "j***@e***.com",
    "otpExpiresAt": 1768636800000,
    "tncId": "N001"
  }
}

Response field	Description
`otpSentToMaskedEmail`	Masked email the OTP was sent to
`otpExpiresAt`	OTP expiry, UNIX timestamp (ms); valid for 10 minutes
`tncId`	Agreement code for this activation; used to fetch the agreement link (below) and as `acceptedTnC` in A.4.4

The OTP is sent only to the merchant's registered email; the OTP itself is never returned.

Re-calling for an already-activated merchant → idempotent ACTIVATED; re-calling in PENDING_ACTIVATION/EXPIRED → the previous OTP is invalidated and a new one sent.

Auxiliary — Get Agreement Link · GET /v2.0/tool/getTnC/{tncId}

This call is not part of the main chain. Use the tncId from the response above as the path parameter to fetch the agreement link, then place tncContent (agreement PDF) on the OTP entry page for the merchant to review.

{
  "code": 200,
  "msg": "success",
  "data": {
    "tncId": "N001",
    "name": "Partner_Program_Agreement_EndUser_Authorization",
    "version": "V1.0",
    "tncContent": "https://.../Partner_Program_Agreement_EndUser_Authorization.pdf",
    "effectiveFrom": "2026-07-15"
  }
}

A.4.4 Confirm Activation · `POST /v2.0/crm/merchant/confirmActivation`

After the merchant reviews the agreement and submits the OTP on the entry page, the partner calls this endpoint.

Request

Field	Type	Required	Description
`participantCode`	string	Yes	Target merchant
`otp`	string	Yes	6-digit OTP submitted by the merchant
`acceptedTnC`	string[]	Yes	Agreement code(s); must match the `tncId` returned by `initiateActivation`, e.g. `["N001"]`

Response (200)

{
  "code": 200,
  "msg": "success",
  "data": {
    "participantCode": "B0100106",
    "activationStatus": "ACTIVATED",
    "activatedAt": 1768637100000
  }
}

The activation result is returned synchronously. Once the merchant reaches ACTIVATED, fund-write APIs are unlocked.

A.5 Fund APIs Gated by Activation

The following endpoints cannot be called before the merchant is activated (activationStatus other than ACTIVATED / NO_NEED_ACTIVATION):

Endpoint	Path	Meaning
Create Crypto Withdrawal	`POST /v2.0/payment/crypto/createCryptoWithdrawal`	Crypto withdrawal
Create Fiat Withdrawal	`POST /v2.0/payment/fiat/createWithdrawal`	Fiat withdrawal
Activate Same Name Withdrawal	`POST /v2.0/payment/fiat/sameNameWithdrawal/activate`	Same-name withdrawal activation
Create Conversion	`POST /v2.0/trade/conversion/createConversion`	Conversion

Internal Transfer (POST /v2.0/payment/account/internalTransfer) is not available to Non-FI partners.

Part B: Modified APIs

All changes are additive and field-level; request bodies are unchanged.

B.1 Get Merchant · `GET /v2.0/crm/addressBook/getMerchant`

Response data adds activationStatus (read-only, enum in A.3). Existing merchantStatus and merchantInfo are unchanged.

B.2 Create Merchant · `POST /v2.0/crm/addressBook/createMerchant`

Request/response structure unchanged. A Non-FI merchant is created as NOT_ACTIVATED with fund operations disabled by default until activated. activationStatus is not returned in this response — query it via Get Merchant.

B.3 Merchant Status Webhook · `POST /webhooks/merchant-status/v2`

Payload data adds activationStatus. Activation itself does not trigger this webhook (confirmActivation returns the result synchronously); the webhook continues to fire on existing merchant KYC-status changes, now additionally carrying activationStatus.

Impact on existing integrations: Get Merchant and the webhook consumers must tolerate the new field and not reject payloads with unrecognised fields.

Appendix: Endpoint List

Endpoint	Path	Type
Create Merchant	`POST /v2.0/crm/addressBook/createMerchant`	Existing
Get Merchant	`GET /v2.0/crm/addressBook/getMerchant`	Existing (added `activationStatus`)
Initiate Activation	`POST /v2.0/crm/merchant/initiateActivation`	New
Confirm Activation	`POST /v2.0/crm/merchant/confirmActivation`	New
Get TnC	`GET /v2.0/tool/getTnC/{tncId}`	Existing (auxiliary, for displaying the agreement)
Merchant Status Webhook	`POST /webhooks/merchant-status/v2`	Existing (added `activationStatus`)

Changelog

20260402#

Executive Summary#

Detailed API Changes#

Authentication#

Create Token#

Account Management#

Get Balance#

Get Internal Transfer#

Internal Transfer#

Merchant Management#

Create Merchant#

Get Merchant#

Fiat Payment#

Fiat Deposit#

Get Deposit Bank Account#

Get Fiat Deposit Detail#

Get Fiat Deposit History#

Fiat Payment#

Fiat Account Management#

Add Bank Account#

Get Bank Accounts#

Get Fiat Account Application Status#

Submit Additional Information for Fiat Account Request#

Fiat Payment#

Fiat Withdrawal#

Create Fiat Withdrawal#

Get Fiat Withdrawal Detail#

Get Fiat Withdrawal History#

Crypto Payment#

Crypto Deposit#

Get Crypto Deposit#

Get Crypto Deposit History#

Get Crypto Deposit Wallet#

Update Crypto Deposit Travel Rule Info#

Crypto Payment#

Crypto Withdrawal#

Create Crypto Withdrawal#

Get Crypto Withdrawal#

Get Crypto Withdrawal History#

Get Wallet Address#

Register Wallet Address#

Remove Wallet Address#

Conversion#

Create Conversion#

Create Quotation#

Get Conversion#

Get Quotation#

Tool#

Upload File#

getTnC#

Webhooks#

Conversion Webhook#

Crypto Deposit Webhook#

Crypto Withdrawal Webhook#

Fiat Account Request Status Webhook#

Fiat Deposit Webhook#

Fiat Withdrawal Webhook#

Merchant Status Webhook#

Deleted APIs#

20260602#

Executive Summary#

New APIs#

20260612#

Executive Summary#

New APIs#

20260616#

Changelog 20260616#

Executive Summary#

Detailed API Changes#

1. Create Merchant#

Request Body Changes#

Tier Rule Changes#

2. Get Merchant#

Response Body Changes#

3. Merchant Status Webhook#

Payload Changes#

Migration Guide#

No action required if:#

Action required if:#

20260402

Executive Summary

Detailed API Changes

Authentication

Create Token

Account Management

Get Balance

Get Internal Transfer

Internal Transfer

Merchant Management

Create Merchant

Get Merchant

Fiat Payment

Fiat Deposit

Get Deposit Bank Account

Get Fiat Deposit Detail

Get Fiat Deposit History

Fiat Payment

Fiat Account Management

Add Bank Account

Get Bank Accounts

Get Fiat Account Application Status

Submit Additional Information for Fiat Account Request

Fiat Payment

Fiat Withdrawal

Create Fiat Withdrawal

Get Fiat Withdrawal Detail

Get Fiat Withdrawal History

Crypto Payment

Crypto Deposit

Get Crypto Deposit

Get Crypto Deposit History

Get Crypto Deposit Wallet

Update Crypto Deposit Travel Rule Info

Crypto Payment

Crypto Withdrawal

Create Crypto Withdrawal

Get Crypto Withdrawal

Get Crypto Withdrawal History

Get Wallet Address

Register Wallet Address

Remove Wallet Address

Conversion

Create Conversion

Create Quotation

Get Conversion

Get Quotation

Tool

Upload File

getTnC

Webhooks

Conversion Webhook

Crypto Deposit Webhook

Crypto Withdrawal Webhook

Fiat Account Request Status Webhook

Fiat Deposit Webhook

Fiat Withdrawal Webhook

Merchant Status Webhook

Deleted APIs

20260602

Executive Summary

New APIs

20260612

Executive Summary

New APIs

20260616

Changelog 20260616

Executive Summary

Detailed API Changes

1. Create Merchant

Request Body Changes

Tier Rule Changes

2. Get Merchant

Response Body Changes

3. Merchant Status Webhook

Payload Changes

Migration Guide

No action required if:

Action required if:

Recommended: