ABOUT US
One unified data layer for every financial decision.
Direct from the source. Permissioned by the consumer. Built for decision-making at scale.
Powering trusted decisions across industries.
Powering trusted decisions across industries.
OUR MISSION
Truv gives financial institutions direct access to consumer-permissioned financial data sources, providing more complete, real-time, and reliable data for better decision-making.
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OUR WHY
Why we built Truv.
Why we built Truv.
The Problem
Incomplete data. Outdated methods. Rising costs.
Today’s financial system still relies on fragmented, outdated, and costly legacy providers, limiting how well institutions understand consumers while driving up operational expense.
The Unlock
It’s not a process problem. It’s a data access problem.
Solving it requires direct access to the source. Not better workarounds for the same fragmented systems.
The Solution
One consumer-permissioned, multi-data source platform.
Income, employment, asset, education, volunteer, and raw transaction data through a single platform, so institutions can make faster, more accurate decisions while expanding access for more consumers.
Built as infrastructure, not point solutions.
Built as infrastructure, not point solutions.
Truv connects fragmented financial data sources into a unified access layer. Institutions can retrieve the right data, from the right source, at the right time.
Multi-source data network
Payroll, bank, tax, and insurance data in one platform.
Verification waterfall
Routes each request to the fastest, most accurate source.
Unified API and integration layer
One contract, one developer experience across every data source.
Decision-ready data
Structured, normalized, and ready to feed your underwriting and risk models.
“ The current system of evaluating
credit worthiness is ineffective and
outdated. While manual and legacy
methods to gather alternative data
sources are slow, expensive, and
often inaccurate. ”
“ The current system of evaluating credit worthiness is ineffective and outdated. While manual and legacy methods to gather alternative data sources are slow, expensive, and often inaccurate. ”
Founding story.
Truv’s Co-Founder & CEO, Kirill Klokov, experienced these struggles firsthand. Kirill immigrated to the U.S. and attended Stanford Business School for his MBA before successfully leading product organizations at several start-ups. The first time that Kirill went to apply for a loan he had a solid, high-paying job … but a 520 credit score. Consequently, 14 financial institutions said no and 1 said yes at a 15% APR. Kirill knew someone needed to change the way financial decisions were made.
In two short years, Kirill Klokov (Co-Founder & CEO) and Ilya Chatsviorkin (Co-Founder & CTO) founded Truv to put data back in the hands of consumers. Truv covers more than 150 million Americans with over 12,800 unique integrations to payroll providers, employers, and gig platforms. Truv has also expanded its vision and scope by unlocking access to tax data, transaction data, and insurance data.
… and this is just the beginning.
Backed by builders who have shaped fintech.
Our core values.
Relentless Customer Focus.
We start with the customer and work backwards.
Transparency.
We answer direct questions with transparency.
Ownership.
We act as owners and stay accountable on behalf of the entire company.
Continuous Innovation.
We stay on top of our metrics so that we can make timely improvements.
Meritocracy.
We treat each other as equals and work with grit, passion, and precision.
