Last month was about fortifying the financial infrastructure underneath the product.

We rebuilt how merchant statements and billing work from the ground up, brought Apple Pay to mobile checkout, and moved point-of-sale acceptance into beta. A handful of new payment rails and fraud improvements rounded out the month. Here's what shipped in July.

Merchant financial infrastructure, rebuilt

What we shipped

This set of releases rebuilds how merchants track and move their money, from a blockchain-native ledger to self-service settlements and wallets.

• Statements V3: a blockchain-first ledger that derives every statement number directly from on-chain wallet movements, eliminating the balance drift
• Bank Settlements page: merchants can now view, export, and trigger on-demand bank settlements directly from the dashboard, in addition to the existing daily auto-sweep
• Exact-out withdrawal quotes: a new API endpoint calculates the exact input amount needed to deliver a guaranteed payout amount to a recipient
• Non-custodial wallet option: merchants can now self-provision settlement wallets built on Turnkey infrastructure, in addition to Coinflow's existing model

Why it matters

Merchants have long asked for financial records they can trust without contacting support. Accurate statements, automated billing, and self-service settlements address that directly.

Impact

Apple Pay comes to mobile, and point-of-sale goes full circle

What we shipped

Checkout rounds out on both sides of the counter, adding native Apple Pay for mobile apps alongside new in-person hardware and purchase-flow controls.

• Apple Pay for React Native: a native mobile SDK component brings Apple Pay to checkout inside React Native apps
• Point-of-sale launch: beta terminal hardware brings in-person acceptance online, rounding out checkout across both physical and digital touchpoints
• Custom deposit amount presets: merchants can configure their own quick-select deposit amounts in the purchase flow, replacing fixed defaults

Why it matters

Apple Pay is one of the most-requested mobile payment methods, and native support means mobile-first merchants no longer need a workaround. In person, point-of-sale launch means merchants no longer need a separate system to accept and reconcile in-person payments alongside their online sales.

Impact

New payment rails and higher limits

What we shipped

Merchants get more ways to move funds, from a new US acquiring rail to global wire payouts and higher Canadian transfer limits.

• US card acquiring: a new rail with Push-to-Card payout payability
• EU stablecoin settlement: a second Crypto-Asset Service Provider option alongside existing infrastructure, adding redundancy
• SWIFT international wire payouts: merchants can now disburse funds via international wire transfer to bank accounts globally
• Higher Canadian EFT limits: the per-transaction EFT payout limit rose from $25,000 to $100,000

Why it matters

More rails and higher limits mean fewer failed transactions and less dependence on any single provider.

Impact

Fraud protection and disputes, sharpened

What we shipped

Visibility into fraud and disputes gets sharper, from blocking reused payment accounts to a redesigned disputes hub.

• Duplicate account detection: the same PayPal or Venmo account can no longer be reused across merchant profiles
• Rejection explainability: a new dashboard surfaces human-readable reasons for fraud declines
• Disputes hub redesign: the chargebacks page is now a full disputes hub with per-card-brand breakdowns and a "needs response" filter

Why it matters

These changes give merchants clearer visibility into why a payment was declined or a dispute is open, instead of an opaque result.

Impact

Looking ahead

July was about strengthening the financial systems merchants depend on every day.

Priorities heading into next month:

Keep the reliability gains going. Keep expanding payment rail coverage where merchants are asking for it. Keep closing the gaps merchants never see.

Fewer surprises for merchants, month after month.