Changelog

Release notes and API changes for the Danipa platform.

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 — Financial access for feature phone users via *123#. Send money, check balance, savings, loans — no smartphone required. Redis-backed sessions, English/French
• Internationalization (i18n) — Full English and French support across mobile app, diaspora 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 Scaling — Horizontal scaling, multi-region deployment, Prometheus/Grafana monitoring, rate limiting, backup/disaster recovery, feature flags, load testing

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