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Every public-facing change to the UnionVelocity API lives here, newest first. Each entry shows the version, the release date, and a complete list of what changed for you. We follow semantic versioning:
  • Major (v1 to v2): breaking changes. You’ll need to update your integration before the cutover date.
  • Minor (v1.0 to v1.1): new features added in a backwards-compatible way. Your existing calls keep working.
  • Patch (v1.0.0 to v1.0.1): bug fixes that don’t change behaviour you can observe from outside.
Breaking changes get a minimum 90-day deprecation notice before the old behaviour is removed. We email the technical contact on your partner account and post the notice here.

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Documentation refresh, 30 June 2026

This release is documentation-only. No API behaviour changed.
  • Renamed: the product is now UnionVelocity (previously Pegasus). The brand change is visible in the docs, the marketing site, and partner-facing UI. Your API keys, base URLs, and integration code do not change.
  • Portal-only flows moved out of the public API reference. Onboarding, API key management, and production access were never meant to be called from your code: they happen in the partner portal at ubn-ui.onecluster.co. The endpoint pages have been removed from the public docs. The portal flows themselves haven’t changed.
  • Sandbox base URL canonicalised: the sandbox is reached at https://api-partner.onecluster.co. The legacy dev-api.onecluster.co host is being retired. Update your sandbox config if you still point at the old host.
  • Editorial refresh: clearer language, fewer hedges, more direct examples. If a page reads better than the last time you visited, that’s why.
  • New: System Status page with a link to status.onecluster.co for live operational health.

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v1.1.0, 26 April 2026

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Billing & Wallet

  • New: prepaid pay-as-you-go billing with a lien-capture-release model on every chargeable call.
  • New: wallet is auto-created on go-live approval, with a permanent Virtual Account for funding.
  • New: GET /api/v1/billing/wallet returns your wallet balance and VA funding details.
  • New: GET /api/v1/billing/statement returns a paginated wallet statement with per-endpoint cost tracking.
  • New: GET /api/v1/billing/pricing returns the current per-call pricing table.
  • New: 402 Payment Required is returned when your wallet balance is below the cost of the call. Top up and retry.
  • Changed: sandbox base URL is now https://api-partner.onecluster.co. Production remains https://api.onecluster.co.

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v1.0.0, 25 March 2026

Initial public release of the UnionVelocity platform.
Automated identity verification for individuals and businesses. PII is masked in every response.
  • POST /api/v1/kyc/bvn/verify: verify a Bank Verification Number against the central bank registry. Returns the name-match result and masked identity fields.
  • POST /api/v1/kyc/nin/verify: verify a National Identification Number against the NIMC database. Returns the name-match result and masked identity fields.
  • POST /api/v1/kyc/cac/lookup: look up a company by its Corporate Affairs Commission registration number. Returns company status, registered address, and director information.
BVN, NIN, date of birth, and phone numbers are never returned in full.
Create and manage virtual bank accounts issued under Union Bank’s licence.
  • POST /api/v1/accounts: create a virtual account. Two types:
    • STATIC: a permanent account number assigned to a customer. Right for wallets, savings products, and any case where the customer has a stable account identity.
    • DYNAMIC: a single-use account number for one specific expected payment. Closes after the payment arrives or after a configurable timeout.
  • GET /api/v1/accounts/{accountNumber}: retrieve account details and current balance.
  • GET /api/v1/accounts/{accountNumber}/statement: paginated transaction history.
Send outbound transfers across the Nigerian interbank network.
  • POST /api/v1/payments/account-enquiry: confirm a destination account name before sending. Always do this first; you’ll catch typos before money moves.
  • POST /api/v1/payments/transfer: initiate an outbound transfer. Two schemes:
    • NIP (NIBSS Instant Payment): real-time, 24/7, seconds to settle. Maximum ₦10,000,000 per transaction.
    • NEFT (Nigeria Electronic Funds Transfer): scheduled batch, same-day or next-day settlement. No per-transaction maximum.
  • Idempotency is supported on every transfer. Send the same request with the same idempotency key twice, you’ll get back the original response, not a second transaction.
  • GET /api/v1/payments/{reference}/status: poll the final outcome.
Receive inbound payments from customers into your virtual accounts.
  • Each virtual account can receive inbound NIP transfers from any Nigerian bank.
  • Real-time webhook notifications fire on every incoming credit.
  • GET /api/v1/collections/accounts/{accountNumber}/transactions: query received payments with sender name, sender bank, and narration.
Event-driven notifications for asynchronous operations.
  • POST /api/v1/collections/webhooks: register a webhook endpoint URL for your partner account.
  • GET /api/v1/collections/webhooks: list all registered webhook endpoints.
  • DELETE /api/v1/collections/webhooks/{webhookId}: remove a webhook endpoint.
  • GET /api/v1/collections/webhooks/deliveries: delivery history with HTTP status codes, response times, and retry attempts.
  • Automatic retry with exponential backoff: failed deliveries are retried up to 5 times over 24 hours.
  • Every delivery is signed with HMAC-SHA256 via the X-UBN-Signature header. Verify it to confirm authenticity.
Events at launch:
Full production-equivalent testing environment.
  • Sandbox base URL: https://api-partner.onecluster.co
  • Pre-configured test data for BVN, NIN, CAC, and account-number verification.
  • Same rate limits as production; backoff logic that works in sandbox works in production.
  • Instant transfer settlement. You don’t wait for batch windows when developing.

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Security at launch

The following controls are active in every environment from day one:

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Standards and compliance