# Change history

This page summarizes notable changes made to Ripple Payments Direct 1.0. This change history is arranged in order from the most recent change and it corresponds to the month and year the enhancements and fixed issues were made available.

## April 2025

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### Enhancements

This release includes the following:

**Quotes available for stablecoin sending currencies**

When you create a payment, you can now specify stablecoin, such as USDT, as the sending currency for the quote.

**New account funding method**

When you fund an account using the Funded Payments method, you can now fund the account with stablecoin assets. For more information about the Funded Payments method, see [Funded Payments](/products/payments-direct/introduction/concepts/funding-methods/funded-payments).

## March 2025

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### Enhancements

This release includes the following:

**New API endpoint added**

You can now retrieve your spendable balance information using the [GET /v4/spendable_balance](/products/payments-direct/api-docs/payments-direct-api/reference/payments-direct-api/balances/getspendablebalance) endpoint of the Ripple Payments Direct 1.0 API.

## August 2024

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### Enhancements

This release includes the following:

**New use case supported**

In addition to business-to-business (B2B), business-to-consumer (B2C), and payments you can make to a business on behalf of your customer, Ripple Payments Direct now also supports payments you can make to an individual on behalf of your customer.

## July 2024

Report API format changes
The Reporting API response format has changed to support future development.

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Old format

```json
{
  "reports": [
    {
      "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
      "type": "PAYMENT_OPS",
      "format": "CSV",
      "status": "READY",
      "start_date": "2018-04-06T20:33:35Z",
      "end_date": "2018-04-06T20:33:35Z"
    }
  ]
}
```

New format

```json
{
  "reports": [
    {
      "reportId": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
      "reportName": "My custom report",
      "reportType": "PAYMENT_OPS",
      "reportFormat": "CSV",
      "reportStatus": "READY",
      "startDate": "2018-04-06T19:33:35Z",
      "endDate": "2018-04-06T20:33:35Z",
      "createdOn": "2018-04-06T20:33:35Z"
    }
  ]
}
```

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### Enhancements

The following new and enhanced functionality is delivered as part of this release:

- Batch payments are now included in reports.
- Create ad-hoc reports using the [Create a report](/products/payments-direct/api-docs/payments-direct-api/reference/payments-direct-api/reports/postreport) API operation.


## June 2024

details
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### Enhancements

The following new and enhanced functionality is delivered as part of this release:

**New use case supported**

In addition to business-to-business (B2B) and business-to-consumer (B2C) use cases, Ripple Payments Direct now also supports payments you can make to a business on behalf of your customer. As part of this enhancement, you can now create an originator identity in the Ripple Payments UI and select the originator during the payment process.

For more information, see the following topics:

- [Beneficiaries](/products/payments-direct/user-interface/beneficiaries)
- [Originator management](/products/payments-direct/user-interface/settings/originator-management)
- [Create a batch payment file](/products/payments-direct/user-interface/tutorials/create-a-batch-payment-file#template-file)


## March 2024

New portal
The new Ripple Payments documentation set launched.

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### Enhancements

The following new and enhanced functionality is delivered as part of this release:

**Batch payments feature enabled for Ripple Payments Direct**

Ripple Payments Direct customers can now use the batch payments feature which enables getting a quote for multiple payments (and different payout currencies) and process them all at once.

For more information, see [Create a batch payment file](/products/payments-direct/user-interface/tutorials/create-a-batch-payment-file).

## November 2023

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### Enhancements

The following new and enhanced functionality is delivered as part of this release:

**Launch of Ripple Payments Direct**

Ripple's newest payment solution, Ripple Payments Direct, allows you to connect to Ripple as a payments provider. Ripple takes care of delivering payments to beneficiaries, managing payout partners, providing funds to payout partners, and paying charges in exchange for payment delivery to the beneficiaries. With Ripple Payments Direct, you also have the option to add and delete payment beneficiaries yourself using the Ripple Payments UI.

For more information, see the following topics:

- [Ripple Payments Direct](/products/payments-direct/ripple-payments-direct)
- [Send an individual payment](/products/payments-direct/user-interface/tutorials/send-an-individual-payment)