# Changelog

## [1.0.0] - 2026-06-08

### Added
- Initial release
- Full Onboarding API: Persons, Businesses, KYC/Identification
- Digital Banking: Accounts, Balances, Bookings, Bank Statements
- SEPA Transfers: SCT, Instant SCT, SDD with mandates
- Transactions: Cash operations, Instant top-ups, Partner remittances, Reference payouts
- Cards: Issuance, lifecycle, tokenization, 3DS flow
- Lending: Consumer loans, Overdraft, Splitpay, Trade Finance, Dunning
- Change Requests (SCA/2FA) flow with SMS OTP and device signing
- Webhooks: HMAC-SHA256 verification, event dispatch, Phoenix Plug integration
- OAuth2 token management with proactive refresh (GenServer + persistent_term)
- Automatic retry with exponential backoff on 429/5xx
- Telemetry events on all requests and webhooks
- Streaming pagination via `Solaris.Pagination.stream/1`
- Auto-generated idempotency keys on POST/PUT/PATCH
- Sandbox-only test helpers for robots, card simulation, ID expiry