[FranciscaOtero]

Description

Aligns the SDK with the public API changes in fintoc-rails between 9f54fc2b (2026-11-05) and 7c92ffab (2026-11-12). pacioli's core-api.json didn't change.

Added

• fintoc.v2.crossborder.quotes: create, get (fintoc-com/fintoc-rails#20605).
• fintoc.v2.crossborder.beneficiaries: create, list, get, delete (fintoc-com/fintoc-rails#20605).
• fintoc.v2.crossborder.transfers: create, list (with status and direction filters), get (fintoc-com/fintoc-rails#20605).
• fintoc.v2.accounts.certificate(id) and fintoc.v2.accountNumbers.certificate(id), returning an AccountCertificate (fintoc-com/fintoc-rails#20588).
• README sections for both, and integration tests (routing, params, Idempotency-Key with and without idempotency_key).

Already aligned, no changes

• PATCH /v1/organizations/{id} (fintoc-com/fintoc-rails#20103) was already supported by organizations.update.
• Fintoc-JWS-Signature no longer required on organizations (fintoc-com/fintoc-rails#20327): the SDK only signs when a JWS key is configured, and the README never asked for one.
• New response fields and enum values pass through dynamically: split redirection fields (fintoc-com/fintoc-rails#20380), invoice.split_redirected (fintoc-com/fintoc-rails#20443), invoice split inherited (fintoc-com/fintoc-rails#20601), mx_direct_debit.error_reason (fintoc-com/fintoc-rails#20009), ui_mode: fields and payment_method_options.card.bins (fintoc-com/fintoc-rails#20837, fintoc-com/fintoc-rails#20751), CMF fields in Chile onboardings (fintoc-com/fintoc-rails#20814).
• New 400/422 responses on webhook endpoints (fintoc-com/fintoc-rails#20758, fintoc-com/fintoc-rails#20998) go through the generic error handling.
• Description-only changes (fintoc-com/fintoc-rails#20075, #20044, #20222, #20221, #20177, #20378, #20836, #20874, #20978).

Left out / notes

• DELETE /v2/crossborder/beneficiaries/{id} returns the archived beneficiary, but delete returns the identifier, like every other delete in the SDK. Use get afterwards if you need the archived object.
• crossborder is a plain namespace (no operations of its own) grouping the three managers.

Release notes

• Added fintoc.v2.crossborder.quotes (create, get), fintoc.v2.crossborder.beneficiaries (create, list, get, delete) and fintoc.v2.crossborder.transfers (create, list, get).
• Added fintoc.v2.accounts.certificate() and fintoc.v2.accountNumbers.certificate(), which return an AccountCertificate with its download_url.

Requirements

None.

Additional changes

None.

🤖🐙 Created with Compose · View session

[FranciscaOtero]

fin review

[fin-review]

LGTM ✅

[fin-review]

LGTM ✅