Product Updates

Passwordless authentication flow with magic links sent via email. JWT access tokens (15min expiry) and refresh tokens (7-day expiry) for secure sessions.

Four-tier permission system with Owner, Admin, Manager, and Viewer roles. Team member invitation via email magic links with complete audit logging.

Real-time balance display with available/pending/processing breakdown. 30-day balance projection chart and low balance alerts with configurable thresholds.

Install as native app on mobile/desktop with offline-first architecture. App shortcuts for New Payout and View Recipients. Push notification support.

Recipients can now add their own payment methods via secure registration link. New PENDING_INFO payment status for awaiting payment method information.

Fixed missing await on JWT token verification, race condition in magic link verification, and added atomic UPDATE...RETURNING for magic link redemption. Added failed authentication attempt logging.

Added safe JSON parsing, distinguish between "account suspended" vs other errors, non-blocking updateLastLogin(), and resilient audit log writing.

Machine learning models now predict optimal payment rails based on cost, speed, and recipient history. Automatic routing decisions with transparency logging.

AI-powered chat support for payment status, history, and payment method management. White-label configuration with tenant-specific terminology.

Enhanced risk scoring with signals for prior returns, new bank accounts, unusual amounts, and institution risk. Automated hold recommendations.

Provider abstraction layer enabling multiple payment providers. Moov integration with support for Standard ACH, Same-Day ACH, RTP, and Push-to-Card.

Complete web interfaces for tenant administration and recipient self-service. Dashboard, payouts, batches, settings, and payment method management.