# Granular capabilities & more

> AI agents: search and read all Moov docs with the docs MCP server at https://docs.moov.io/mcp (no API key). Setup: https://docs.moov.io/guides/developer-tools/mcp-ai/docs-mcp/index.md

## Granular capabilities

We've expanded our capabilities to make them available on a more granular level. For example, `send-funds` has been expanded with the following options:

- `send-funds.ach`
- `send-funds.instant-bank`
- `send-funds.push-to-card`

In addition to having more control over capabilities, this allows for a dynamic underwriting process. Accounts will only have to provide information relevant for the specific capabilities requested, resulting in faster verification and capability enablement.

View the [capabilities](/guides/accounts/capabilities/reference/index.md) guide for the full list of granular capabilities, and view the [underwriting](/guides/accounts/requirements/underwriting/index.md) guide for additional information.

> **Note:** Granular capabilities are available with [Moov API](/api/moov-accounts/capabilities/post/index.md) `v2025.07.00` and later. Earlier versions of the API support our legacy capabilities (`send-funds`, `collect-funds`, and `wallet`).

## Merchant reference guide

We've published a [merchant reference](https://support.moov.io/collections/5692997986-merchant_reference) section on our [support site](https://support.moov.io/). The merchant reference guide provides information for merchants outside the context of our main developer and product documentation. This section of our support site will be updated on a regular basis as we update and release new features.

## Institutions endpoint

We've deprecated the `/institutions/ach/search` [endpoint](/api/enrichment/form-shortening/institutions/get-ach/index.md) and it will be removed in a future release.

We've replaced the deprecated endpoint with the new `/institutions` [endpoint](/api/enrichment/institutions/get/index.md). The new `/institutions` endpoint returns basic identifying metadata, including ACH, RTP, Wire, and FedNow payment support.

## Dashboard navigation

We updated the ordering and presentation of the sidebar navigation in the Moov Dashboard. Payment links, Products, and Image library are now at the top level, and the account switcher has been redesigned, making it easier to differentiate test accounts from production accounts. Lastly, the user menu was also redesigned.

## Bug fixes & updates

- Added support for a comma-separated list of statuses for query on pricing and fee endpoints
- Updated handling of `dispute.updated` webhook event in test mode for evidence handling
- Fixed an issue with the Android API linking to sandbox mode
- Fixed an issue with password manager auto-logins for the Dashboard
- Fixed payment validation issues within the Dashboard payment link form
- Added missing RTP option for sweeps in the Dashboard