[{"data":1,"prerenderedAt":192},["ShallowReactive",2],{"content-\u002Fchangelog\u002F2026-01-26-us-bank-account-breaking-changes":3},{"id":4,"title":5,"author":6,"body":7,"categories":6,"category":173,"categoryType":174,"date":175,"description":176,"extension":177,"faq":6,"howto":6,"isBlog":178,"isChangelog":179,"meta":180,"navigation":179,"path":187,"rawbody":188,"seo":189,"stem":190,"thumbnail":6,"__hash__":191},"content\u002Fchangelog\u002F2026-01-26-us-bank-account-breaking-changes.md","US Bank Account Breaking Changes",null,{"type":8,"value":9,"toc":162},"minimark",[10,17,22,38,42,45,48,51,90,93,96,107,111,114,131,135,146,150,156],[11,12,13],"p",{},[14,15,16],"strong",{},"All US bank accounts created until January 26th, 2026 have been deprecated and will be deleted soon. Please DO NOT use the offramp wallets related to deprecated US bank accounts. All transactions will get stuck and will need to be refunded.",[18,19,21],"h2",{"id":20},"tldr","TL;DR",[23,24,25,29,32,35],"ul",{},[26,27,28],"li",{},"New mandatory fields for ACH bank accounts",[26,30,31],{},"New mandatory fields for Wire\u002FRTP bank accounts",[26,33,34],{},"New mandatory fields for SWIFT bank accounts",[26,36,37],{},"All deprecated US bank accounts must be recreated",[18,39,41],{"id":40},"why-are-we-making-these-changes","Why are we making these changes?",[11,43,44],{},"We are getting compliant with the new US banking partners we're adding to the BlindPay ecosystem. These changes will ensure that all transactions are processed correctly, with BlindPay or the virtual account holder as the debitor and the recipient as the creditor.",[18,46,28],{"id":47},"new-mandatory-fields-for-ach-bank-accounts",[11,49,50],{},"When creating an ACH bank account, the following fields are now mandatory:",[23,52,53,59,64,70,75,80,85],{},[26,54,55],{},[56,57,58],"code",{},"recipient_relationship",[26,60,61],{},[56,62,63],{},"address_line_1",[26,65,66,69],{},[56,67,68],{},"address_line_2"," (optional)",[26,71,72],{},[56,73,74],{},"city",[26,76,77],{},[56,78,79],{},"state_province_region",[26,81,82],{},[56,83,84],{},"country",[26,86,87],{},[56,88,89],{},"postal_code",[18,91,31],{"id":92},"new-mandatory-fields-for-wirertp-bank-accounts",[11,94,95],{},"When creating a Wire or RTP bank account, the following fields are now mandatory:",[23,97,98,103],{},[26,99,100],{},[56,101,102],{},"account_class",[26,104,105],{},[56,106,58],{},[18,108,110],{"id":109},"new-fields-for-swift-bank-accounts","New fields for SWIFT bank accounts",[11,112,113],{},"When creating a SWIFT bank account, the following fields have been added:",[23,115,116,121,125],{},[26,117,118,120],{},[56,119,102],{}," (mandatory)",[26,122,123,120],{},[56,124,58],{},[26,126,127,130],{},[56,128,129],{},"swift_payment_code"," (required only for: PK, PH, KE, JP, IN, ID, CN, CH, BH)",[18,132,134],{"id":133},"how-to-get-the-new-field-requirements","How to get the new field requirements",[11,136,137,138,145],{},"All new fields and their validation rules can be requested on the ",[139,140,144],"a",{"href":141,"rel":142},"https:\u002F\u002Fapi.blindpay.com\u002Freference#tag\u002Favailable\u002FGET\u002Fv1\u002Favailable\u002Fbank-details",[143],"nofollow","available bank details endpoint",".",[18,147,149],{"id":148},"what-this-means-for-you","What this means for you",[11,151,152,155],{},[14,153,154],{},"Action required:"," You will need to recreate all US bank accounts (ACH, Wire, RTP, and SWIFT) with the new mandatory fields.",[11,157,158,161],{},[14,159,160],{},"Benefits:"," All transactions will be sent correctly, with BlindPay or the virtual account holder as the debitor and the recipient as the creditor. This ensures compliance with US banking regulations and improves transaction reliability.",{"title":163,"searchDepth":164,"depth":164,"links":165},"",2,[166,167,168,169,170,171,172],{"id":20,"depth":164,"text":21},{"id":40,"depth":164,"text":41},{"id":47,"depth":164,"text":28},{"id":92,"depth":164,"text":31},{"id":109,"depth":164,"text":110},{"id":133,"depth":164,"text":134},{"id":148,"depth":164,"text":149},"Compliance","improvement","2026-01-26","New compliance updates including new mandatory fields for ACH, Wire\u002FRTP, and SWIFT bank accounts. All US bank accounts created before January 26th, 2026 must be recreated with the new required fields.","md",false,true,{"excerpt":181},{"type":8,"value":182},[183],[11,184,185],{},[14,186,16],{},"\u002Fchangelog\u002F2026-01-26-us-bank-account-breaking-changes","---\ntitle: US Bank Account Breaking Changes\ndescription: New compliance updates including new mandatory fields for ACH, Wire\u002FRTP, and SWIFT bank accounts. All US bank accounts created before January 26th, 2026 must be recreated with the new required fields.\ndate: 2026-01-26\ncategory: Compliance\ncategoryType: improvement\nisChangelog: true\n---\n\n**All US bank accounts created until January 26th, 2026 have been deprecated and will be deleted soon. Please DO NOT use the offramp wallets related to deprecated US bank accounts. All transactions will get stuck and will need to be refunded.**\n\n\u003C!--more-->\n\n## TL;DR\n\n- New mandatory fields for ACH bank accounts\n- New mandatory fields for Wire\u002FRTP bank accounts\n- New mandatory fields for SWIFT bank accounts\n- All deprecated US bank accounts must be recreated\n\n## Why are we making these changes?\n\nWe are getting compliant with the new US banking partners we're adding to the BlindPay ecosystem. These changes will ensure that all transactions are processed correctly, with BlindPay or the virtual account holder as the debitor and the recipient as the creditor.\n\n## New mandatory fields for ACH bank accounts\n\nWhen creating an ACH bank account, the following fields are now mandatory:\n\n- `recipient_relationship`\n- `address_line_1`\n- `address_line_2` (optional)\n- `city`\n- `state_province_region`\n- `country`\n- `postal_code`\n\n## New mandatory fields for Wire\u002FRTP bank accounts\n\nWhen creating a Wire or RTP bank account, the following fields are now mandatory:\n\n- `account_class`\n- `recipient_relationship`\n\n## New fields for SWIFT bank accounts\n\nWhen creating a SWIFT bank account, the following fields have been added:\n\n- `account_class` (mandatory)\n- `recipient_relationship` (mandatory)\n- `swift_payment_code` (required only for: PK, PH, KE, JP, IN, ID, CN, CH, BH)\n\n## How to get the new field requirements\n\nAll new fields and their validation rules can be requested on the [available bank details endpoint](https:\u002F\u002Fapi.blindpay.com\u002Freference#tag\u002Favailable\u002FGET\u002Fv1\u002Favailable\u002Fbank-details).\n\n## What this means for you\n\n**Action required:** You will need to recreate all US bank accounts (ACH, Wire, RTP, and SWIFT) with the new mandatory fields.\n\n**Benefits:** All transactions will be sent correctly, with BlindPay or the virtual account holder as the debitor and the recipient as the creditor. This ensures compliance with US banking regulations and improves transaction reliability.\n",{"title":5,"description":176},"changelog\u002F2026-01-26-us-bank-account-breaking-changes","-KPmfxZfZaBkrWwnkGkb2qKrlijl1DVHl-a_8Z6Mn20",1785804335710]