> For the complete documentation index, see [llms.txt](https://docs.bullcredtech.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bullcredtech.com/changelog/changelog-en/readme.md).

# Changelog

Stay up to date on everything new at Bull and use each update to improve your operation and your customers' experience.

{% updates format="full" %}
{% update date="2026-05-05" tags="novo,api" %}

## <mark style="color:$primary;">Multiple Loans within the Global Limit</mark>

Clients with active contracts can now request a new payroll-deducted loan without having to wait for the previous contract to end, with automatic eligibility and delinquency checks. <br>

* Clients with active contracts (signed or disbursed) can start a new payroll-deducted loan proposal without ending the previous contract.
* The API automatically detects the existence of previous contracts and validates whether the client is eligible for recontracting, including delinquency checks.
* The recontracting feature must be enabled in the product configuration for new proposals to be created normally.

<a href="https://docs.bullcredtech.com/api-reference/guias/recontracting" class="button secondary">View documentation</a>
{% endupdate %}

{% update date="2026-04-29" tags="novo,sdk" %}

## <mark style="color:$primary;">Bull Connect SDK</mark>

Launch of Bull's Flutter SDK for private payroll loan origination, with a complete flow for simulation, offer, financial summary, and digital signature integrated into your partner app in minutes. <br>

* Complete origination flow in a native modal screen, from simulation to digital signature via deep link, with automatic return to the partner app via callbacks `onExit` and `onError`&#x20;
* Full theming with Material 3 configurable via `IColorPalette` or `ThemeData` , compatible with iOS 13+, Android API 21+, and Flutter 3.24.0 or higher
* OAuth2 authentication `client_credentials` fully managed by the SDK, distributed as a Git dependency via Azure DevOps with an initial version

<a href="https://bull-cred-tech.gitbook.io/bull-docs/sdks" class="button secondary">View documentation</a>
{% endupdate %}

{% update date="2026-04-27" tags="melhoria,landing-page" %}

## <mark style="color:$primary;">Landing Page Performance Optimization</mark>

* LCP (Largest Contentful Paint) dropped from 4.5s to 1s, representing a 78% reduction in the page's initial load time.
* The end-customer experience was significantly improved, reducing the abandonment rate before conversion.
* Active campaigns automatically benefit from the improvement, with no need to change the integration.
  {% endupdate %}

{% update date="2026-04-24" tags="novo,api" %}

## <mark style="color:$primary;">Promotional Re-engagement API</mark>

The Promotional Re-engagement API allows partners to reactivate proposals with unconverted offers after 20 hours, taking the customer into a new credit analysis on the same `proposal_id` for eligibility for promotional conditions.<br>

* New promotional flow for proposals that received an offer, completed 20 hours without conversion, and need to be re-engaged by the partner channel with new user consent
* The partner must reuse the `proposal_id` original and call `POST /proposals/{proposal_id}/credit-analysis` to trigger a new analysis on the same proposal
* If the proposal is eligible, the response may return an offer with promotional conditions, allowing the partner to continue the flow normally

<a href="https://bull-cred-tech.gitbook.io/bull-docs/api-reference/guias/proposal-flow#acao-promocional-apos-20-horas" class="button secondary">View documentation</a>
{% endupdate %}

{% update date="2026-04-17" tags="novo,api" %}

## <mark style="color:$primary;">Second Chance API</mark>

The Second Chance API allows credit analysis to be reprocessed in cases of technical failure, ensuring that no proposal is lost due to external unavailability such as Dataprev's maintenance window.<br>

* New endpoint `POST /proposals/{proposal_id}/credit-analysis/retry` allows credit analysis to be reprocessed when the webhook returns the status `CREDIT_ANALYSIS_FAILED` , covering Dataprev downtime scenarios, maintenance windows, or partner failures
* The retry automatically reuses the proposal's most recent consent, with no need to collect the customer's acceptance again
* Track the reprocessing result via webhook or by polling with `GET /proposals/{proposal_id}` , and notify the customer as soon as the offer is approved to maximize conversion

<a href="https://bull-cred-tech.gitbook.io/bull-docs/api-reference/fluxo-da-proposta/post-proposals-credit-analysis-retry" class="button secondary">View documentation</a>
{% endupdate %}

{% update date="2026-03-19" tags="melhoria,portal-do-originador" %}

## <mark style="color:$primary;">Demographic Profile Analysis of Leads</mark>

* New demographic profile tab with lead distribution by age group and available income in the analysis dashboard
* Proposal status filters allow you to segment the data and identify which profiles convert best at each stage of the funnel
* Consolidated view of demographic data makes it easier to make decisions based on the real behavior of leads
  {% endupdate %}

{% update date="2026-03-17" tags="melhoria,portal-do-originador" %}

## <mark style="color:$primary;">Production View in the Originator Portal</mark>

The Originator Portal now displays the main financial indicators of the active portfolio, offering complete visibility of the operation from the first lead to the credit in the customer's account.<br>

* New financial indicators available in the dashboard: disbursed volume, average ticket, average rate, and average term of the active portfolio
* The originator can now track the operation's performance end to end, integrating acquisition and credit data in a single view
* Improved operational monitoring experience, making it easier to make decisions based on consolidated real-time data
  {% endupdate %}

{% update date="2026-02-27" tags="novo,portal-do-originador" %}

## <mark style="color:$primary;">Originator Portal</mark>

Launch of the Originator Portal, Bull's B2B dashboard where partners track the complete performance of their payroll loan operation in real time.<br>

* Complete funnel view with tracking of each stage of the lead journey: Received, Engaged, Eligible, Approved, and Paid, allowing the originator to identify where conversion losses occur.
* Real-time business metrics including financed volume, conversion rate, average interest rate, and average term, with filters by source channel, campaign, and period.
* Separation between engaged and not engaged leads with activation percentage, making it possible to compare performance between different traffic sources such as fb, google, and organic.

{% hint style="info" %}
To access the Originator Portal, each partner must contact Bull to receive the access credentials for their respective portal.
{% endhint %}
{% endupdate %}
{% endupdates %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.bullcredtech.com/changelog/changelog-en/readme.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.