Changelog

2026-06-13 — Agri Platform (Platform 4 · sandbox)

Danipa's fourth vertical landed on sandbox: a cooperative-anchored agricultural finance platform built on the shared identity and payment rails.

New Features

• Agri Domain Service — Farmer registry (Ghana Card identity, GPS-mapped plots via PostGIS, crop cycles), cooperative and field-officer operations, harvest signals, and produce lots
• Traceability & EUDR Export — Farm-to-fork traceability ledger with EU Deforestation Regulation (EUDR) due-diligence export
• Agri Finance Service — Smallholder credit scoring, loan/tranche disbursement with bundle orchestration, and claims adjudication
• Harvest-to-Wallet Flywheel — Harvest → credit → loan/payout → fintech wallet, with instant MoMo settlement on delivery confirmation. Proven end-to-end on sandbox
• Mobile Agri Mode — Farmer self-onboarding and cooperative-officer tooling in the mobile app, English/French

Agri runs on sandbox today and is not yet part of the public developer API.

2026-06-09 — Health & Pharmacy Verticals (Platforms 2–3 · sandbox)

Danipa's second and third verticals — a clinical information system and a pharmacy supply-chain platform — reached sandbox, sharing the platform's identity, consent, and payment infrastructure.

New Features

• Health Domain Service — Encounters, observations, conditions, medication requests, lab orders, and consents. PHI encrypted at rest (AES-256-GCM), per-facility row-level security, and server-side clinician-write attribution
• Pharmacy Service — Dispensing, inventory, claims adjudication (including a cross-pharmacy queue), and drug master data
• Clinic → Pharmacy Dispense Bridge — Prescriptions route from clinic to pharmacy (ACTIVE → ROUTED → DISPENSED) over Kafka with idempotent service-to-service pull
• FHIR R4 Gateway — HL7 FHIR R4 read façade (HAPI) over the health domain for interoperability
• Clinic Dashboard — Clinician portal with a BFF proxy, MFA step-up, and offline-aware clinical writes
• Fine-Grained Clinical & Pharmacy RBAC — Role tiers (e.g. doctor / nurse / pharmacist) with separation-of-duties enforcement (activated June 2026)

Health and Pharmacy run on sandbox today and are not part of the public developer API.

2026-03-15 — Pan-African Expansion (Phase 6)

New Features

• Multi-Country Infrastructure — Country-specific KYC rules, transaction limits, regulatory compliance, and provider routing for Ghana, Cote d'Ivoire, Senegal, Nigeria, and Kenya
• Orange Money Integration — Collection and disbursement provider for Francophone West Africa (Cote d'Ivoire, Senegal). Full SPI implementation with OAuth2 auth, webhook processing, and Resilience4j circuit breakers
• Wave Integration — Collection and disbursement provider for Senegal and Cote d'Ivoire. Checkout-based collection flow with payout disbursements
• Agent Banking Platform — Agent registration, float management, cash-in/cash-out operations, customer registration, and commission tracking. Mobile agent dashboard with toggle mode
• USSD Channel (in development) — Feature-phone access via *123#. Menu navigation and Redis-backed sessions are in place (English/French); money-movement operations (send money, balance, savings, loans) are being wired up
• Internationalization (i18n) — Full English and French support across mobile app, consumer web app, merchant dashboard, email templates, and USSD. RTL layout preparation
• Android Optimization & Offline Support — Hermes JS engine, offline data caching, transaction queuing, connectivity-aware UI, low-bandwidth mode for 2G networks
• Platform Observability & Controls — Prometheus/Micrometer metrics, rate limiting, and feature flags wired in sandbox. Horizontal scaling, multi-region deployment, and disaster recovery are architected for the post-funding production rollout

API Changes

• POST /ms/v1/agents/{agentId}/cash-in — Agent cash-in (customer deposit)
• POST /ms/v1/agents/{agentId}/cash-out — Agent cash-out (customer withdrawal)
• POST /ms/v1/agents/{agentId}/register-customer — Agent-assisted registration
• GET /ms/v1/agents/{agentId}/transactions — Agent transaction history
• GET /ms/v1/agents/{agentId}/commissions — Commission summary with date range
• POST /ms/v1/agents/{agentId}/float/topup — Top up agent float
• GET /ms/v1/agents/{agentId}/float/balance — Get float balance
• GET /ms/v1/agents/{agentId}/float/history — Float transaction history
• GET/POST/PUT /ms/v1/admin/agents — Agent admin CRUD
• PUT /ms/v1/admin/agents/{id}/status — Update agent status
• GET/POST/PUT/DELETE /ms/v1/admin/countries — Country config admin
• POST /v1/ussd — USSD gateway endpoint

New Providers

• ORANGE_MONEY — Collection + Disbursement (XOF/XAF)
• WAVE — Collection + Disbursement (XOF)

Countries Added

2026-03-13 — Merchant API & Analytics

New Features

• Merchant Dashboard — Full-featured dashboard for managing your business: payment links, invoices, API keys, webhooks, and analytics
• Payment Links API — Create shareable payment links with fixed or flexible amounts, expiration dates, and real-time collection tracking
• Invoices API — Generate, send, and track invoices with automatic payment link generation and status lifecycle management
• Analytics API — Transaction volume, provider breakdown, status distribution, and revenue summary with configurable date ranges (7/30/90 days) and CSV export
• Webhook Management — Self-service webhook endpoint registration, secret rotation, test delivery, and delivery log inspection
• Tiered API Pricing — Four pricing plans (Free, Growth, Scale, Enterprise) with usage metering, fee preview, and in-dashboard plan upgrades

API Changes

• GET /v1/merchants/me — Merchant profile endpoint
• GET/POST /v1/merchants/me/api-keys — API key management
• GET/POST /v1/merchants/me/payment-links — Payment link CRUD
• GET/POST /v1/merchants/me/invoices — Invoice CRUD
• GET/POST /v1/merchants/me/webhooks — Webhook endpoint management
• GET /v1/merchants/me/analytics — Analytics with ?days= parameter
• GET /v1/merchants/me/billing/usage — Current billing cycle usage
• GET /v1/merchants/me/billing/fee-preview — Transaction fee calculator
• GET /v1/pricing-plans — Public pricing plan listing

Webhook Events

New merchant-specific event types: payment.completed, payment.failed, payment.refunded, invoice.created, invoice.sent, invoice.paid, invoice.overdue, invoice.cancelled

Webhook Signature Format

Webhook signatures now use X-Danipa-Signature and X-Danipa-Timestamp headers. The signed content is timestamp + "." + payload for replay protection. See the Webhooks guide for verification examples in Node.js, Java, and PHP.

2026-02-15 — Multi-Provider Gateway

New Features

• Stripe Integration — Card payments via Stripe Connect, saved payment methods, SetupIntent flow
• PayPal Integration — PayPal as an alternative payment provider
• Smart Provider Routing — Automatic provider selection based on corridor, cost, and availability
• Provider Failover — Automatic retry with alternate provider on failure
• FX Engine — Real-time exchange rates with spread configuration and rate locking

API Changes

• POST /v1/payment-methods/setup-intent — Stripe card setup
• GET /v1/payment-methods — List saved payment methods
• GET /v1/exchange-rates — Multi-provider rate comparison

2026-01-20 — Wallet & KYC

New Features

• Digital Wallet — Multi-currency wallet with P2P transfers, MoMo fund-in/cash-out
• KYC Tiering — Document upload, automated verification, tier-based transaction limits
• Payment Requests — Request money from other Danipa users

API Changes

• POST /v1/wallets — Create wallet
• POST /v1/wallets/me/transfer — P2P transfer
• POST /v1/wallets/me/fund-in — MoMo fund-in
• POST /v1/kyc/documents — Upload KYC document

2025-11-01 — Initial Launch

Features

• MTN Mobile Money (MoMo) integration: Collection, Disbursement, Remittance
• Cross-border transfers to Ghana (GHS)
• HMAC-SHA256 webhook verification
• OpenAPI 3.1 specification
• Sandbox environment