_{SnapRefund v4.0.0 is Live} 

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_{Improved Onboarding, Expanded Wallet Infrastructure, Automated Refunds, AiSnap, and Platform-Wide Reliability Improvements}

_{Version 4.0.0 represents one of the most comprehensive upgrades to ClaimsSnap and AgentSnap to date. This release strengthens onboarding reliability, expands public API flexibility, enhances payment infrastructure, introduces multi-wallet support for PayPal and Venmo payouts, launches AiSnap, and delivers meaningful security and usability improvements.} 

_{Upgraded Signup Experience}

_{An improved signup flow is now fully deployed across both ClaimsSnap and AgentSnap platforms.} 

_{The result is a faster, simpler, and smoother onboarding experience aligned with the broader SnapRefund UX.}

_{Payment Infrastructure Upgrades} 

_{Expanded Public API Capabilities ‍}

_{Public API users can now send payments to recipients who do not yet have a SnapRefund account. Pending payments function seamlessly for email-only recipients, existing users, API-created users, and recipients invited by other senders.} 

_{This reduces integration friction and better supports embedded and marketplace-style workflows.} 

_{Payment Edge-Case Resiliency Improvements}

_{We resolved edge cases that prevented pending and direct payments from completing successfully, including niche guest checkout issues, placeholder account conflicts, and attachment-related validation errors.} 

_{Direct Payment Funding Source Control}

_{Senders now have clearer visibility and control over the bank account Direct Payments originate from. The updated flow includes a funding source selector (Trust Account, Operational Account, Wallet) and a visual display of available payment rails for the selected source.}

_{Automated ACH Failure Refunds (ClaimsSnap)}

_{Version 4.0.0 introduces automated refund handling for ACH failures.}

_{ClaimsSnap now:} 

• _{Automatically detects ACH failures} 
• _{Refunds the sender’s original bank account if necessary}
• _{Sends detailed notification emails to Admin, Owner, and Claims roles} 
• _{Sends Slack notifications to configured channels}

_{Refund notifications include the ACH failure reason code, recipient email, memo, original send date, source bank, and amount. Funds are returned only to the originating bank after settlement is confirmed.}

_{Multi-Wallet Support & PayPal Integration (ClaimsSnap)}

_{To support Venmo payouts via PayPal’s API, ClaimsSnap now supports multiple wallet balances per sender.}

_{Senders can:} 

• _{View two distinct wallet balances: RTP and Venmo} 
• _{Fetch balances via the API and dashboard}
• _{Deposit to or withdraw from wallets via the API and dashboard}

_{This expansion supports PayPal-backed wallet functionality while maintaining strict balance control and audit accuracy.} 

_{Introducing AiSnap: Artificial Intelligence Insights for your Transaction History (ClaimsSnap)}

_{Version 4.0.0 introduces AiSnap, SnapRefund’s first AI-powered feature, integrated directly into the Transaction History experience.}

_{Senders can interact with their transaction data conversationally, ask questions about activity, view recent session history, and receive suggested follow-up prompts. The interface mirrors modern conversational AI tools while maintaining appropriate safeguards and access controls. AiSnap marks the beginning of SnapRefund’s broader AI roadmap focused on intelligent financial workflows. ‍}

_{Security & Account Protection Enhancements}

_{New accounts must now verify their email before receiving full access. This strengthens access governance, guest checkout security, and reduces brute-force payment access risks. Existing accounts retain uninterrupted access through a migration process.}

_{Platform-Wide Improvements}

_{This release also includes:} 

• _{Prevention of duplicate guest checkout accounts} 
• _{Improved mobile responsiveness on payment pages} 
• _{Fixed settings page rendering on direct URL access or refresh} 
• _{Resolved temporary UI exposure during logout} 
• _{Real-time vertical progress tracking for AgentSnap invoices} 
• _{Updated RTP icon to reflect Real Time Payments} 
• _{Dynamic copyright year handling in customer-facing emails} 

_Summary

_{Version 4.0.0 delivers improved onboarding, expanded API flexibility, stronger payment reliability, automated operational safeguards, multi-wallet infrastructure, AI-powered transaction insights, enhanced security, and platform-wide polish.}

_{This release strengthens SnapRefund’s foundation while introducing an advanced layer of intelligent tooling that will continue to evolve.} 

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