Automatic DTM enrollment starts; public keys deprecated Jan 31

Automatic DTM enrollment for US/CA customers in Q4. Public key support ending January 31, 2025. Legacy returning user flows fully removed by October 28, 2024. SSO self-serve for eligible customers. /link/token/get returns empty arrays/null instead of omitting fields.

Link: Remember Me OTP auto-fill on Android.

Auth: PNC now returns TANs.

Balance: Balance Plus beta discontinued.

Plaid Check: Third-Party User Token beta; Layer integration for cash flow insights; default 365 days transaction history for new customers; USER_FRAUD_ALERT warning; Partner Insights error_reason.

Identity: Identity Document Upload beta.

Identity Verification: 1-click fraud reports; fixed Link event ordering with Hide Verification Outcome.

Payment Initiation: processing_mode for async payment execution.

Transfer: Authorization considers prior return codes (R02, R16).