Integration for Consumer Credit

All Consumer Credit integrations use the Bridge Widget flow. Create a user and bridge token, then open Bridge for the applicant to connect.

Choose your verification method

Method	What it does	Data source	Best for	Demo
Smart Routing	Check employer coverage, recommend the fastest path	Payroll, bank, or docs	Most lending workflows	SmartRouting
Bank Income	Verify income from bank transactions	Financial accounts	Thin-file borrowers, gig workers	BankIncome
Payroll Income	Verify income directly from payroll	Payroll	Employed borrowers with payroll access	PayrollIncome
Paycheck-Linked Loans	Set up automatic loan repayment from paycheck	Payroll	Post-approval repayment	PaycheckLinkedLoans

API flow

All Consumer Credit integrations follow the same User + Bridge Token flow:

Create a user — Your server calls POST /v1/users/.

Create a bridge token — Your server calls POST /v1/users//tokens/ with the product_type and data_sources for the chosen method.

Open Bridge — Your frontend initializes Truv Bridge with the bridge_token. The applicant connects their provider.

Receive webhooks — Truv sends a task-status-updated webhook when verification completes.

Fetch the report — Your server retrieves the VOIE report or income insights report depending on the method.

Combine methods

Most production implementations combine two or more approaches:

Smart Routing + PLL: Verify income during the application, then set up automatic repayment after approval.

Payroll + Bank: Try payroll first for the best data quality. Fall back to bank income when the employer has low payroll coverage.

Any method + Documents: Enable document upload as a fallback in Bridge when direct connections are unavailable.

Next steps

Smart Routing

Automatically recommend the best verification method for each applicant

Verify income from bank transactions when payroll is unavailable

Connect directly to payroll for verified income and employment data

Set up automatic loan repayment from the borrower’s paycheck