Credentials Updated

Example Use Case

Monitoring for potential account takeover by tracking account changes.

Request Specifications

Required API Field	Definition	Notes
`timestamp`	Timestamp of the event.
One of: `external_entity_id` `entity_token`	Unique identifier for the Entity associated with the event.
`target`	The type of credential being updated.	Possible enum values: 2fa, username, password, passkey

Example Request/Response

Unauthenticated Password Change

{
    "event_type": "credentials_updated",
    "event_status": "pending",
    "event_lifecycle_id": "d26f8468-a79c-4a2b-998e-b7357d11e050",
    "data": {
        "timestamp": "2024-03-25T23:50:34.681Z",
        "external_entity_id": "9e82d5e7-ada0-4957-a8fd-4d937c99bae8",
        "operation": "update",
        "status": "pending",
        "target": "password",
        "channel": "online_banking",
        "authenticated_user": false,
        "device": {
            "device_type": "mobile",
            "ip_address_v4": "161.140.21.3"
        },
        "meta": {
            "foo": "bar"
        },
        "supplemental_data": {}
    }
}

{
    "status_code": 201,
    "event_request_token": "EV-gUyXBUHLCPXmP630BKuH",
    "_links": {
        "self": {
            "href": "/v1/events/EV-gUyXBUHLCPXmP630BKuH"
        }
    },
    "event": {
        "event_type": "credentials_updated",
        "event_status": "PROCESSED",
        "event_lifecycle_id": "d26f8468-a79c-4a2b-998e-b7357d11e050",
        "data": {
            "timestamp": "2024-03-25T23:50:34.681Z",
            "external_entity_id": "9e82d5e7-ada0-4957-a8fd-4d937c99bae8",
            "operation": "update",
            "status": "pending",
            "target": "password",
            "channel": "online_banking",
            "authenticated_user": false,
            "device": {
                "device_type": "mobile",
                "ip_address_v4": "161.140.21.3"
            },
            "meta": {
                "foo": "bar"
            },
            "supplemental_data": {},
            "entity_token": "P-TfkFe6lCPkElc9Xktd3V"
        },
        "evaluations": [],
        "journey_applications": []
    }
}

2FA Settings Change

{
    "event_type": "credentials_updated",
    "event_status": "pending",
    "event_lifecycle_id": "7292e905-4367-4e07-a704-006dd6ad544e",
    "data": {
        "timestamp": "2025-10-28T21:14:59.087Z",
        "external_entity_id": "94d57b2e-c516-4240-9fcc-5f96238f8c1e",
        "operation": "update",
        "status": "pending",
        "target": "2fa",
        "channel": "online_banking",
        "authenticated_user": true,
        "2fa": {
            "required": true,
            "methods": [
                {
                    "method": "sms",
                    "value": "+15556667777"
                }
            ]
        },
        "device": {
            "device_type": "mobile",
            "ip_address_v4": "223.107.254.170"
        },
        "meta": {
            "foo": "bar"
        },
        "supplemental_data": {}
    }
}

{
    "status_code": 201,
    "event_request_token": "EV-K09fTsa0kt0qihbHCGK0",
    "_links": {
        "self": {
            "href": "/v1/events/EV-K09fTsa0kt0qihbHCGK0"
        }
    },
    "event": {
        "event_type": "credentials_updated",
        "event_status": "PROCESSED",
        "event_lifecycle_id": "7292e905-4367-4e07-a704-006dd6ad544e",
        "data": {
            "timestamp": "2025-10-28T21:14:59.087Z",
            "external_entity_id": "94d57b2e-c516-4240-9fcc-5f96238f8c1e",
            "operation": "update",
            "status": "pending",
            "target": "2fa",
            "channel": "online_banking",
            "authenticated_user": true,
            "2fa": {
                "required": true,
                "methods": [
                    {
                        "method": "sms",
                        "value": "+15556667777"
                    }
                ]
            },
            "device": {
                "device_type": "mobile",
                "ip_address_v4": "223.107.254.170"
            },
            "meta": {
                "foo": "bar"
            },
            "supplemental_data": {},
            "entity_token": "P-9QA3PSY6r2DQb3g3X2Ux"
        },
        "evaluations": [],
        "journey_applications": []
    }
}