---
agentTools:
  projectIndex: https://docs.straitsx.com/llms.txt
---

# v1.5.0 - Cross-Border FX Payouts and API Enhancements

# Overview

This release introduces the FX Payout API for cross-border payouts, along with new attributes for user withdrawals and customer profiles, and documentation improvements.

***

## FX Payout API

We're excited to introduce the FX Payout API — our first cross-border payout capability. You can now convert funds and disburse directly to the recipient's bank account in a single API flow, without needing to hold a balance in the target currency.

**Supported currency pairs:**

* XUSD → IDR
* USD → IDR
* XSGD → IDR (coming soon)
* SGD → IDR (coming soon)

**Key capabilities:**

* Request and retrieve real-time FX conversion quotes.
* Execute a quote and initiate a cross-border payout in a single flow.
* Track payout status via polling or webhooks (`cpFxPayoutStatusUpdated`/`userFxPayoutStatusUpdated`).
* Sandbox support: manually update payout status to `completed` or `cancelled` for integration testing.

**New API endpoints:**

* <Anchor label="Create an FX quote" target="_blank" href="ref:create-an-fx-quote">Create an FX quote</Anchor> — Request a quote for an FX conversion.
* <Anchor label="Get an FX quote" target="_blank" href="ref:get-an-fx-quote">Get an FX quote</Anchor> — Retrieve an existing quote by ID.
* <Anchor label="Create a payout" target="_blank" href="ref:execute-an-fx-quote">Create a payout</Anchor> — Execute a FX quote to initiate a cross-border payout.
* <Anchor label="Get a payout" target="_blank" href="ref:get-an-fx-transaction">Get a payout</Anchor> — Retrieve a single payout by ID.
* <Anchor label="Get a list of payouts" target="_blank" href="ref:list-fx-transactions">Get a list of payouts</Anchor> — Retrieve a paginated list of payouts.
* <Anchor label="Update payout status (Sandbox)" target="_blank" href="ref:sandbox-update-fx-transaction-status">Update payout status (Sandbox)</Anchor> — Simulate payout status transitions in sandbox.

**New guide:**

* **Guides > Integration Model > <Anchor label="FX Payout API" target="_blank" href="doc:fx-payout-api">FX Payout API</Anchor>**
  * Step-by-step integration guide covering the end-to-end FX payout flow, supported currency pairs, prerequisites, and transaction statuses.

<br />

***

## API Enhancements

### 1. Transaction Remarks for User Withdrawal

You can now include a `transactionRemarks` field when creating a user withdrawal. This allows you to attach an external reference that will be visible to the recipient.

**Affected endpoints:**

* <Anchor label="Create a user withdrawal" target="_blank" href="ref:create-a-user-withdrawal">Create a user withdrawal</Anchor> (request + response)
* <Anchor label="Get a user withdrawal" target="_blank" href="ref:get-a-user-withdrawal">Get a user withdrawal</Anchor> (response)
* <Anchor label="Callback for Dashboard Withdrawal Status Update" target="_blank" href="https://docs.straitsx.com/v1.5.0/docs/callback-samples#callback-for-bank-transfer-payout-status-update">Callback for Dashboard Withdrawal Status Update</Anchor>

<Table align={["left","left","left"]}>
  <thead>
    <tr>
      <th>
        Field
      </th>

      <th>
        Type
      </th>

      <th>
        Description
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        `transactionRemarks`
      </td>

      <td>
        string (optional)
      </td>

      <td>
        External transaction reference which will be seen by the recipient.  
        Regex: Based on `network` type.

        * `fast`: max 35 characters
        * `swift`: max 105 characters
      </td>
    </tr>
  </tbody>
</Table>

<br />

### 2. Trading Name for Business Customer Profiles

You can now provide a `tradingName` when creating or updating a **business** customer profile. If your business operates under a brand name that differs from the legal entity name, this field allows you to specify it. When provided, the trading name will be used for PayNow registration.

**Affected endpoints:**

* <Anchor label="Create a business customer profile" target="_blank" href="ref:create-a-business-customer-profile">Create a business customer profile</Anchor> (request + response)
* <Anchor label="Create a business customer profile+" target="_blank" href="ref:create-a-customer-profile-api">Create a business customer profile+</Anchor> (request + response)
* <Anchor label="Get a customer profile" target="_blank" href="ref:get-a-customer-profile">Get a customer profile</Anchor> (response, business only)
* <Anchor label="Get a customer profile+" target="_blank" href="ref:get-a-customer-profile-plus">Get a customer profile+</Anchor> (response, business only)
* <Anchor label="Update a business customer profile" target="_blank" href="ref:update-a-business-customer-profile">Update a business customer profile</Anchor> (request + response)
* <Anchor label="Customer Profile Verification Status Update Webhook" target="_blank" href="https://docs.straitsx.com/v1.5.0/docs/callback-samples#customer-profile-callbacks">Customer Profile Verification Status Update Webhook</Anchor> (business only)

<Table align={["left","left","left"]}>
  <thead>
    <tr>
      <th>
        Field
      </th>

      <th>
        Type
      </th>

      <th>
        Description
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        `tradingName`
      </td>

      <td>
        string (optional)
      </td>

      <td>
        The brand or trading name of the business, if different from the legal entity name (`customerName`).  
        Length: 1 - 50 characters.  
        Regex: `/\A[\x20-\x3B\x3D\x3F-\x7E]{1,50}\z/`

        **Note:** If provided, this name will be used for PayNow registration instead of the legal entity name. If absent, the PayNow registration falls back to `customerName`.
      </td>
    </tr>
  </tbody>
</Table>

<br />

### 3. SWIFT Code in Supported Banks

The <Anchor label="Get a list of supported banks" target="_blank" href="ref:get-a-list-of-supported-banks">Get a list of supported banks</Anchor> API now returns the `swift_code` for each bank, making it easier to look up SWIFT/BIC codes when setting up payout recipients or bank accounts.

| Field        | Type   | Description            |
| :----------- | :----- | :--------------------- |
| `swift_code` | string | Bank's SWIFT/BIC code. |

<br />

***

## Documentation Updates

### 1. Transaction Status Guide

* Updated the <Anchor label="Transaction Status" target="_blank" href="doc:transaction-status">Transaction Status</Anchor> guide to include blockchain activity statuses for blockchain deposit and withdrawal transactions.
* Added explanation for the `expired` payment status.