Capto product updates

Everything new in Capto

Follow what shipped, what improved, and every important fix made for mortgage professionals.

Release notes

Changelog

v3.6.0MINOR

Security review, AI guardrails & bot protection

  • ImprovedCompleted a full security review: tighter checks on webhooks, scheduled jobs, workspace data, plans and booking links, plus security headers across the site.
  • NewEvery AI text is checked before it's sent: no rate quotes, no approval promises, only Capto links, and a length cap. A blocked reply becomes a polite note that you'll follow up.
  • ImprovedFirst texts to new leads never repeat what a stranger typed into your form, and the AI books at most one upcoming call per contact.
  • NewCloudflare bot checks on sign-in, sign-up, password reset and your public lead form.
  • ImprovedChanging or resetting your password signs out your other devices. Sign-in messages no longer reveal whether an email has an account. New passwords need at least 8 characters.
  • ImprovedThe reply simulator now uses exactly the same instructions as live replies, so what you test is what leads get.
  • FixedDown-payment talk like "about 5% down" is no longer mistaken for a rate quote.
v3.5.0MINOR

Instant first text for every lead, portal lead emails & drip sequences

  • NewLeads from your website form, Zapier, Facebook lead ads and portal emails get the AI's first text within a minute, with their texting consent recorded.
  • NewPortal lead emails: each workspace gets a lead email address; Movoto, Zillow, Realtor.com, Redfin and other portals' leads become contacts automatically.
  • NewNew-lead email alerts: every new lead emails you its details and whether the first text went out.
  • NewDrip sequences: multi-step texts and emails over days that stop the moment a lead replies.
  • NewQuiet hours: automated texts only go out 8 AM to 8 PM in the lead's time zone by default.
  • NewAI hand-offs, Custom Actions and use-case switches now work exactly as set on the AI Agent page.
  • NewHELP, START and STOP keywords are answered automatically, as the SMS policy describes.
  • ImprovedThe AI says it's your assistant when asked, signs off only on first texts or after a pause, and never guesses anyone's pronouns.
  • ImprovedRedesigned marketing site, plus honest Integrations, Pricing and About pages that match what's built.
v3.4.0MINOR

Speed-to-lead analytics, rate-drop alerts & a calmer dashboard

  • NewSpeed-to-lead analytics (Pro): average and median first reply, % of leads answered within 5 minutes, a 12-week trend, and breakdowns by lead source and team member.
  • NewExport CSV of every lead's reply time, plus a Monday-morning email report you can switch off anytime.
  • NewCampaign analytics: delivery rate, email opens, and tracked link clicks for every recent campaign.
  • NewRate-drop alerts and loan anniversary texts for past borrowers — review drafts first or let Capto auto-send, with STOP and blocklist respected.
  • NewMortgage rates card showing this week's 30-yr and 15-yr averages and their trend.
  • ImprovedDashboard split into Focus, Pipeline, and Insights tabs so it's shorter and easier to scan.
v3.3.0MINOR

Text from RingCentral or Zoom Phone, redesigned inbox

  • NewBring your own numbers: connect RingCentral or Zoom Phone (up to 5 numbers each) and text from them instead of Twilio — quick sends, replies, blasts, and booking confirmations all honor your choice.
  • NewZoom Phone two-way replies: replies to your Zoom number now land in the Capto inbox, with STOP handling and AI auto-replies included.
  • ImprovedRedesigned three-panel inbox: conversations grouped into Needs you / AI handling / Campaign no-reply, a toggleable Lead panel, and a composer that stays put.
  • ImprovedSidebar is now grouped into collapsible sections — Workspace, Messaging, Tools, Resources — with Spanish labels too.
  • FixedScheduled text blasts now send reliably in carrier-safe batches, and switching Lists/Contacts or saving a 25,000-recipient blast no longer freezes the page.
  • FixedContacts loads dramatically faster on very large accounts, with paging and full-list search.
v3.2.0MINOR

Managed email delivery, faster contacts & big-list fixes

  • NewAll emails — signup, invite, password reset, welcome, and campaigns — now send through Capto's managed delivery with full branding. Bounces, complaints, and unsubscribes are tracked automatically.
  • ImprovedCampaign emails send immediately and are marked sent/failed right away instead of sitting in a pending queue.
  • ImprovedEmail campaign formatting is preserved — headings, images, buttons, and spacing from the visual builder now render correctly in the inbox.
  • ImprovedContacts page loads dramatically faster on large accounts (10k+ contacts): optimized access rules, added indexes, and replaced dozens of per-list lookups with two fast queries.
  • ImprovedCSV imports are now 10x faster (parallel batches of 250) and list membership survives duplicate cleanup.
  • FixedBulk SMS recipient picker now loads every contact instead of stopping at the first 1,000.
  • FixedThe original campaign intro text now shows at the top of a conversation, even when the lead replies from a differently formatted number.
  • FixedSMS conversation list no longer takes a minute to load — last messages are fetched in one batched query.
  • ImprovedMessage composer is now a multi-line box that expands as you type and keeps your line breaks.
v3.1.0MINOR

Blocklist & opt-out compliance

  • NewBlocklist: block any number from SMS, with a dedicated tab in Conversations. Blocked threads disappear from the inbox.
  • NewDrag a conversation onto the Blocklist tab to block it instantly — with one-click Undo.
  • NewAutomatic STOP handling: opt-out keywords and phrases are detected on inbound replies and block the number before any further sends. Fully configurable, and can be switched off.
  • NewSMS usage meter on the dashboard showing messages used vs. your plan limit.
  • ImprovedUpdated plans: Solo $79, Pro $299, Team $599 — with refreshed limits and feature gating across the app.
v3.0.0MAJOR

Self-service appointment booking

  • NewThe AI agent now texts leads a secure booking link instead of picking a time for them.
  • NewMobile time picker showing your real Google Calendar availability — the lead taps a slot and it's booked.
  • NewAuto-confirmation SMS to the lead, notification to you, and a Google Calendar event created on the spot.
  • ImprovedAuto-booking and calendar sync documented in Docs, and added to the Features page.
v2.8.0MINOR

Advanced Dashboard (Pro) — agenda, priority contacts, goals & response-time analytics

  • NewToday's Agenda: merged timeline of the next 48h of appointments and 14-day rate-lock expirations, so nothing surprises you.
  • NewPriority Contacts: AI-ranked hot leads to follow up today, scored by recent message activity, deal value, stage, and days since last contact.
  • NewStuck Deals alert: surfaces deals with no movement in 7+ days with a one-click nudge.
  • NewAI Needs Review: flags AI messages that haven't had human follow-up in 12+ hours so you can jump in.
  • NewMonthly Goal Tracker: progress ring for your monthly closed-loan target.
  • NewResponse-time card: 30-day average time-to-first-reply for you vs. the AI agent.
  • NewLead Sources: 30-day horizontal bar chart of where new contacts are coming from.
  • NewQuick Actions bar: Send SMS, Add Lead, Log Call, New Deal — pinned to the top of the dashboard.
  • ImprovedWeekly trend sparklines added to the core stat tiles (leads, conversations, deals, pipeline value).
  • ImprovedAdvanced Dashboard modules are Pro-only; Basic still gets the core stats, pipeline, AI agent status, recent conversations, and rate-lock alerts.
v2.7.0MINOR

Bento dashboard, SMS templates GA, analytics in progress

  • NewDashboard redesigned as a bento grid: Pipeline Value hero with mini bar chart, compact stat tiles, horizontal pipeline bar with stage legend, donut auto-responder, and side-by-side recent conversations + rate-lock alerts.
  • NewSMS Templates shipped: 12 prebuilt mortgage scenarios (HELOC, Refinance, Purchase, Rate Alert, Follow-up, Re-engagement) with merge tags, pickable from the composer or Templates tab.
  • ImprovedContacts: Export and Import CSV promoted to inline buttons next to Add Contact.
  • ImprovedSMS Campaigns recipient picker now supports tabbed Contacts/Lists with search, select-shown, and clear-all.
  • FixedFixed dashboard refresh redirecting to onboarding — business loading now waits for auth session to fully restore.
  • ImprovedStarted Advanced Dashboard Analytics (Pro): date-range filters, speed-to-lead, reply rate, and conversion trends — coming next.
v2.6.0MINOR

Fix & Flip: HML+GAP loan stack, Deal? verdict, resale sensitivity

  • NewLoan Stack: model a Hard Money Loan (LTV vs ARV, Points, Rate, Admin Fees) with an optional GAP Loan (Points, Rate, Straight vs Amortized) that auto-sizes to cover the gap between HML and Purchase + Reno.
  • NewGAP Equity Share: split a % of net profit to the GAP lender — GAP Total Return and GAP ROI now surface in the Results panel.
  • NewDeal Screener: set Min Profit % (of ARV) and Min Profit $; the calculator returns a clear YES / NO verdict on whether the deal clears your bar.
  • NewResale Sensitivity Table: see net profit at ARV ± $20K in $5K steps, with the row matching your current ARV highlighted.
  • ImprovedAdded Closing Costs as a separate line item; Total Project Cost and TPC as % of ARV now displayed in Results.
v2.5.0MINOR

Fix & Flip Calculator + Homeowner split

  • NewNew Fix & Flip Calculator at /tools/fix-and-flip-calculator with two modes: Renovation (10–20% down) and Construction/ADU (20–25% down), each with its own ARV multiplier and holding-period defaults.
  • ImprovedRenamed the original calculator to the Homeowner ARV Calculator — focused on home equity scenarios (purchase, refinance cash-out, 2nd mortgage / HELOC). Flip-specific math moved to the new Fix & Flip page.
  • ImprovedResults now show Down Payment, Loan Amount, Effective LTV vs ARV, Total Cash Required, Estimated Profit, and Cash-on-Cash ROI per project type.
v2.4.0MINOR

ARV single-address lookup & security hardening

  • NewARV Batch Lookup now supports single-address mode for one-off comp pulls.
  • FixedHardened business_members policy: only the actual owner can promote a member to owner — admins can no longer escalate roles.
  • FixedLocked down twilio_config_audit writes to service_role only with explicit deny policies for client roles.
v2.3.0MINOR

ARV Calculator launch

  • NewNew ARV Calculator at /tools/arv-calculator: estimate After Repair Value with live property comps and rental income estimates by address.
  • NewBatch lookup mode: upload a list of addresses and get ARV, rent, and max-loan estimates for every property at once.
  • NewPDF report generation for purchase, refinance cash-out, and second mortgage scenarios — shareable with clients and investors.
  • ImprovedFree for all users — no plan required. Pro users get unlimited lookups; Basic users get a generous monthly quota.
v2.2.0MINOR

Missed-Call Auto-Text, call forwarding & expanded docs

  • NewMissed-Call Auto-Text is live: when a lead calls your Twilio number and you don't pick up, Capto instantly sends a personalized SMS so the lead never goes cold.
  • NewOptional call forwarding — route inbound calls to your cell with a configurable ring timeout, then fall back to the missed-call SMS if you don't answer.
  • ImprovedExpanded /docs with dedicated sections for Missed-Call setup, AI Agent voice & writing samples, the 750/mo Basic plan auto-reply cap, and the 5-minute scheduled-campaign dispatcher.
  • ImprovedSettings → Twilio now exposes missed-call enable, forward number, ring timeout, and custom SMS copy per number.
v2.1.0MINOR

Pro plan teasers — Missed-call auto-text & advanced analytics

  • NewAnnounced Missed-Call Auto-Text on the home page, features page, and Pro pricing — an AI-crafted SMS fires automatically when a lead's call goes unanswered.
  • ImprovedClarified Dashboard Analytics on /pricing: Basic today on both plans, with 'Advanced (coming soon)' for Pro.
  • ImprovedAdded both items to the public roadmap under Next Up.
v2.0.0MAJOR

Brand refresh — new logo & color palette

  • NewNew Capto wordmark and 'C' icon with light- and dark-mode variants across the marketing site, sidebar, and auth screens.
  • NewRefreshed brand palette: Primary Blue (#2563EB) with a Cyan accent (#06B6D4) replacing the previous gold across light and dark themes.
  • ImprovedUpdated semantic tokens, charts, sidebar, and CTAs to the new palette in oklch for consistent contrast across modes.
v1.10.0MINOR

Security page & hardened GMB function

  • NewNew /security page outlining encryption, RLS, auth, and responsible disclosure.
  • Improvedgenerate-gmb-post edge function now requires a valid auth token and locks CORS to Capto domains.
v1.9.0MINOR

Multiple Twilio numbers + workflow routing

  • NewAdd up to 5 Twilio numbers per business with one marked as the default fallback.
  • NewNew Workflow Routing in Settings → Integrations: pick which number the AI agent uses for Conversations, Campaigns, Drips, and Milestones independently.
  • ImprovedExisting single-number setups auto-promoted to default — zero migration needed.
  • ImprovedOutbound SMS, scheduled campaigns, and AI replies all resolve the right number per workflow with safe fallback to the default.
v1.8.1PATCH

Twilio connection clarity

  • ImprovedAdded a 'How you connect (Twilio)' section to /messaging-setup explaining the bring-your-own-Twilio model with step-by-step credential setup.
  • ImprovedUpdated Docs → Setting Up Twilio to reflect BYO Twilio and note that a Capto-managed flow is on the roadmap.
v1.8.0MINOR

Messaging Setup guide

  • NewNew /messaging-setup page explaining 10DLC vs toll-free, picking a number, porting an existing number, verification, timelines, and costs.
  • ImprovedCross-linked from SMS Policy and Docs; added to the footer Legal & Compliance column.
v1.7.1PATCH

Footer desktop fix

  • FixedFooter columns no longer collapse on desktop due to native <details> rendering. Mobile keeps the accordion behavior.
v1.7.0MINOR

Legal pages & refined footer

  • NewNew SMS Messaging Policy page covering 10DLC, opt-in/opt-out, quiet hours, and AI message rules.
  • NewPublic product roadmap page with phased delivery timeline.
  • ImprovedRedesigned marketing footer with 5 link columns, compliance microcopy, and a utility bar.
  • ImprovedFooter columns collapse into accordions on mobile and render as a static grid on desktop.
v1.6.0MINOR

Navigation polish & public changelog

  • NewPublic changelog page so customers can follow along with shipped updates.
  • ImprovedUnified marketing navbar across landing and pricing with a mobile drawer.
  • ImprovedActive route highlighting in both desktop and mobile nav.
v1.5.0MINOR

Founding pricing & documentation

  • NewFounding-member pricing: $59 Basic and $119 Pro for the first 100 customers.
  • NewFull product documentation page with searchable sections.
  • ImprovedUrgency indicator showing remaining founding spots.
v1.4.0MINOR

Pipeline deep dive

  • NewDedicated deal detail page at /pipeline/$dealId with milestone timeline and document checklist.
  • NewLoan milestone templates with borrower SMS notifications.
  • ImprovedCompact pipeline drawer summary for faster triage.
v1.3.0MINOR

Campaigns & email builder

  • NewVisual block-based email builder with personalization variables.
  • NewDrip campaign sequences with delay-based steps.
  • NewCampaign scheduling for future send dates.
  • ImprovedRecipient picker with contact list bulk-add.
v1.2.0MINOR

AI Agent

  • NewAI Agent for automated SMS replies with configurable actions.
  • NewPre-built actions: missed call follow-up, new lead welcome, rate quote, and more.
  • NewCustom escalation rules to alert you when a human is needed.
v1.1.0MINOR

Multi-business & teams

  • NewSupport for multiple businesses under one account.
  • NewTeam invitations with Owner / Admin / Member roles.
  • ImprovedBusiness switcher in the sidebar.
v1.0.0MAJOR

Capto launch

  • NewTwo-way Twilio SMS conversations threaded per contact.
  • NewDrag-and-drop pipeline Kanban with loan stages.
  • NewContact management with lists, CSV import, and global search.
  • NewGoogle My Business connection with AI post generation.

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