Release Notes

In this release, we introduced Business History APIs to calculate business cash flow analytics, added Authenticity Status in Ocrolus Detect to simplify document integrity evaluation, added support for shared Book labels in Encore, introduced new analytics update webhook events, and expanded Classify and Classify + Capture document support.

What's new?

SMB

Business history APIs

We’ve introduced business history APIs, a new set of endpoints that provide a unified, business-level view of financial data across all Books submitted by your organization.

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This feature is in beta!
This page discusses functionality that is in beta. You may occasionally experience unannounced changes or bugs. We'd greatly appreciate your feedback on this feature and its accompanying documentation.

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Availability
This feature is currently available via API and will be added to the Ocrolus Dashboard in a future release.

Instead of manually combining data from multiple applications, you can now retrieve deduplicated transaction history, longitudinal cash flow metrics, and business metadata through API calls. These endpoints enable underwriters and risk teams to evaluate borrower behavior over time, rather than relying on a single application snapshot.

APIs

Business identifier [GET] /v2/book/{book_uuid}/business: Resolves a book_uuid to its associated business entity and returns a business_id that can be cached and used with all other business-scoped endpoints.
Business overview [GET] /v1/businesses/{business_id}: Retrieves the full metadata profile for a business entity, including industry classification, loan inquiry history, and addresses derived from bank account holder information.
Business transactions [GET]/v1/businesses/{business_id}/transactions: Retrieves paginated, deduplicated enriched transactions across all of the requesting org's Books for a given business.
Business summary [GET]/v1/businesses/{business_id}/summary: Retrieves the chronological financial summary for a business entity, computed from deduplicated, org-enriched transactions across all of the requesting org's Books.

Key highlights

Business History APIs provide a unified borrower view across all submissions, with deduplicated transactions to prevent double-counting. They enable longitudinal cash flow analysis for better underwriting decisions, support incremental data sync using updated_since, and include loan inquiry velocity to help identify potential stacking risk early.

To learn more, see the business history API documentation and recipe.

Detect

Enhanced Ocrolus Detect with Authenticity Status for document integrity assessment

We’ve introduced Authenticity Status, a new categorical outcome that helps you quickly interpret document integrity results while continuing to use the existing Authenticity Score (0–100).

Authenticity Status works alongside the Authenticity Score and uses the same underlying detection signals. It provides a clear, policy-friendly result that helps fraud analysts, underwriters, and operations teams quickly assess document risk and route documents for approval, review, or escalation while preserving the detailed signals needed for automation and risk workflows.

Key highlights:

Dual outputs: Detect now returns both an Authenticity Score (0–100) and an Authenticity Status.
Operational clarity: Authenticity Status provides a clear categorical result for routing and review workflows.
Flexible configuration: You can configure ternary mode (High, Medium, Low) or binary mode (High, Low) depending on their workflow needs.
Explainability: Results include reason codes, structured fraud flags, and supporting evidence to help reviewers understand why a document was flagged.
Consistent availability: Authenticity Status results are available in both the Ocrolus dashboard and API responses.

For details, see the Authenticity Status guide.

Classify and Capture

New Classify and Capture supported documents

The Classify and Capture supports are enabled for the following newly onboarded document:

Legal

Power of Attorney

To learn more, see the All Supported Documents page.

Webhook

Analytics update events

We have introduced the following webhook events to help you keep your cached analytics in sync with Ocrolus:

analytics.config_updated: It is an organization-level event. It triggeres when analytics configuration changes such as tag updates or revenue formula changes. It indicates that cached analytics for all Books in the org may be need to be refreshed to get the latest data.
book.analytics_v2.updated: It is account-level event. It triggers when transaction tag overrides modify analytics for a specific Book. It indicates that cached analytics for that Book should be refreshed.

These events act as signals (not data payloads) and enable near real-time refresh of analytics using the Analytics APIs. To learn more, see the Org-level webhook and Account-level webhook pages..

Enhancements

SMB

Encore - shared Book label usage

Encore now treats every copy job request with a new shared Book label (Deal ID) as a new parent copy job and creates a distinct Ocrolus Book for the receiver upon acceptance. Subsequent requests using the same shared Book label are treated as child copy jobs, appending documents to the existing parent job and receiver Book instead of creating a new one.

This update supports renewal and re-engagement workflows, where a new Deal ID always produces a new receiver Book, as well as application update workflows, where brokers can reshare additional or missing documents under the same Deal ID without creating duplicate Books.

The List Copy Jobs API reflects this structure by representing each unique shared Book label as a parent copy job, with associated child jobs and their document UUIDs included in the response.

To learn more, see the Sender's guide.

Classify

New Classify supported document

The Classify supports are enabled for the following newly onboarded document:

Mortgage-specific forms

RD 1924-19 - Builder's Warranty
RD 1924-25 - Plan Certification
RD 1980-11 - Guaranteed Rural Housing Lender Record Change
RD 400-1 - Equal Opportunity Agreement
RD 400-6 - Compliance Statement
Undisclosed Debt Monitoring (UDM) Details Report

Property

Condo Project Advisor Feedback Certificate
Property/Plat Survey

To learn more, see the All Supported Documents page.

Classify and Capture

Additional attribute support

Ocrolus now offers support for the following attribute within the existing document type:

Divorce Decree

divorce_decree-Part2-DateAndAmount:isPlaintiffPayerOrReceiverOfSpousalMaintenance
divorce_decree-Part2-DateAndAmount:spousalMaintenancePaymentFrequency
divorce_decree-Part2-DateAndAmount:isPlaintiffPayerOrReceiverOfChildSupport
divorce_decree-Part2-DateAndAmount:childSupportPaymentFrequency

To learn more, see the All supported documents page.