> For the complete documentation index, see [llms.txt](https://docs.xyb.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xyb.co/platform-release-notes/release-updates-and-announcements/xyb-platform-1.8-release-notes.md).

# XYB Platform 1.8 Release Notes

### Improvements to Credit Contracts and Credit Operations

This release strengthens credit lifecycle management, improves collateral modelling and LTV accuracy, and enhances console performance and operational stability across contracting workflows.

* **Credit Lifecycle & Term Change Refinements**\
  Changes to payment structure on active schedules are now supported, including principal frequency, interest frequency, payment day, schedule type, and penalty/interest conventions. Schedule and repayment edge cases (bullet loans, extra payouts, full repayment, termination dates) have been resolved to ensure consistent recalculation of balances, APR, invoices, and repayments. [Learn more about managing credit contracts and terms.](/credit/create-and-manage-contracts/manage-credit-contracts-and-terms.md)
* **Collateral Engine & LTV Refactor**\
  The collateral data model has been improved (subtypes, status changes, relationships) alongside console UX enhancements such as continuous-scroll search. LTV values are now reliably calculated and recalculated when contract principal changes, delivering a more accurate and maintainable collateral view with improved linking and discoverability. [Learn more about collaterals.](/credit/configure-and-create-credit-products/configure-global-settings-for-credit-products/configure-and-create-collaterals.md)

[Learn more about XYB Credit.](https://docs.xyb.co/credit/)


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