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The Consumer Credit demo shows the Bridge Widget flow. It creates a user and bridge token directly, without orders. This is the pattern for deposit switching and payroll-linked lending. Integration pattern: Bridge Widget | Products: DDS, PLL, VOIE 
git clone https://github.com/truvhq/demo-apps.git
cd demo-apps && npm install && cp .env.example .env
# Add your API_CLIENT_ID, API_SECRET, and NGROK_URL to .env
npm start        # Express server on :3000
npm run dev      # Vite dev server on :5173 — select "Consumer Credit"
See Demo Apps overview for full setup details including ngrok configuration.

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Flow

1

Select verification method

Choose the product type (income, deposit switch, or PLL). The backend creates a user and generates a bridge token.
POST /v1/users/
POST /v1/users/{id}/tokens/
2

Connect via Bridge

Bridge opens as a popup. The user selects their employer and logs in. On success, Bridge returns a public_token that gets exchanged for an access token.Sandbox credentials: goodlogin / goodpassword
3

Review results

Exchange the public token for a link report:
POST /v1/link-access-tokens/
GET /v1/links/{link_id}/{product}/report

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Use cases

If you’re building…Products
Account funding / direct deposit captureDeposit Switch (DDS)
Earned wage access or loan repaymentPayroll-Linked Lending (PLL)
Income verification without ordersIncome (VOIE)

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Next steps

Direct Deposit Switch

Full DDS integration guide

Paycheck Linked Lending

Full PLL integration guide

Bridge Events

Client-side event types and error codes

Widget-only Best Practices

DDS and PLL implementation guidelines