1.2.5 Technical Enhancements of Retail Accounts and Retail Deposits

This topic provides the technical enhancements of Retail Accounts and Retail Deposits.

• Idempotency support has been implemented across the Deposit API landscape to ensure safe, repeatable processing of requests—particularly in scenarios involving network retries, timeouts, or duplicate submissions. Retail Deposit services for account creation, top-up, and redemption, along with IRA services covering IRA-CD, IRA contribution, and IRA distribution, have been enhanced so that repeat invocations of the same logical request are detected and do not result in duplicate postings.