Skip to main content

Changelog

All notable API and Risk Tape schema changes are documented here.

Versioning policy​

The Creatorlayer API uses a date-versioned, URL-free approach: the current API lives at /api/v1/ and will remain backward-compatible until a new major version is introduced.

What constitutes a breaking change​

ChangeBreaking?
Removing a field or endpointYes
Changing a field's type or formatYes
Making an optional field requiredYes
New required request parameterYes
New optional field in a requestNo
New field in a responseNo
New endpointNo
New event type for webhooksNo
New reason or status valueNo — handle unknown values gracefully

How we communicate breaking changes​

  • Email notification to all active pilot API keys at least 30 days before the change
  • Entry in this changelog on the same day
  • The old version will be available for at least 90 days after the new version is live
tip

Design your integration to ignore unknown fields in API responses and webhook payloads. This allows us to add new fields without breaking your code.

2026-04-02 — Contract-agnostic schema (v2.0.0 + v1.1.0 + v1.2.0)​

Schema v2.0.0 — Contract-neutral field aliases (non-breaking)​

All new fields are optional. Existing v1.0.0 fields (max_advance_amount, max_revenue_share_pct, payback_cap_multiple) are retained for backward compatibility.

New fields on EligibilityDecision:

  • income_capacity_annual — v2 neutral alias for max_advance_amount
  • recommended_monthly_ceiling_pct — v2 neutral alias for max_revenue_share_pct
  • income_stability_score — composite reliability score 0–1
  • income_trend — growing, stable, declining, or insufficient_data

Extended product_type enum: revenue_loan, venture_debt, murabaha, hpp added alongside existing rbf, term_loan, securitization_pool.

Schema version: schema_version field is now "2.0.0" in all newly generated tapes.

Schema v1.2.0 — Jurisdiction profile + overlay API (non-breaking)​

  • New optional jurisdiction_profile block on the tape root: signals which data protection regime governs the tape (eu_gdpr, uk_gdpr, difc, other)
  • New optional overlay_blocks[] array: third-party data overlays (Sharia screening, credit bureau, KYB, AML)
  • New endpoint: POST /api/v1/verifications/:id/overlays — attach a data overlay to an existing tape

Schema v1.1.0 — Islamic compliance + affordability blocks (non-breaking)​

  • New optional islamic_compliance block: sharia_eligible, status, screening_provider, screened_at
  • New optional affordability block: declared_monthly_obligations, net_disposable_income, stressed_net_income, dti_ratio, affordability_tier

Eligibility engine​

  • buildEligibility() is now a product-type dispatcher supporting all 7 product types
  • Per-lender LenderThresholds overrides supported via PartnerConfig.lender_thresholds
  • PartnerConfig gains product_type, field_label_overrides, lender_thresholds
  • EmbedSession gains product_label for white-label consent UI copy

2026-03-19 — Initial release (v1.0.0)​

First production-ready release of the Creatorlayer API and Risk Tape schema.

API​

  • POST /api/v1/verifications — create a creator income verification
  • GET /api/v1/verifications/:id — poll verification status
  • GET /api/v1/verifications/:id/tape — retrieve the full Risk Tape
  • GET /api/v1/benchmarks/:verificationId — compare creator metrics against peer population
  • POST /api/v1/webhooks — register a webhook endpoint
  • GET /api/v1/webhooks — list registered webhook endpoints
  • DELETE /api/v1/webhooks/:id — remove a webhook endpoint
  • GET /api/v1/gdpr/access — retrieve all data for a creator (gdpr_admin role)
  • POST /api/v1/gdpr/erase — erase all data for a creator (gdpr_admin role)
  • GET /api/v1/gdpr/export — portable data export (gdpr_admin role)

Risk Tape schema (1.0.0)​

  • schema_version, verification_id, as_of_date, status
  • obligor — reference and connected platforms
  • platform_connections — per-platform OAuth status and ND codes
  • cashflow_summary — 3m and 12m revenue totals, monthly average, per-platform breakdown
  • risk_profile — volatility CV, max drawdown, platform HHI, trend slope
  • eligibility — tier (prime / standard / subprime / ineligible), max advance, flags, covenants
  • data_quality — score, Tier A field count, ND code summary

Webhook events​

  • verification.completed
  • verification.failed
  • verification.expired

Supported platforms​

  • YouTube (AdSense revenue via Google OAuth)
  • Stripe (gross volume via Stripe OAuth)