Assets for Government

Assets (VOA) verification connects directly to clients’ bank accounts to capture income that traditional payroll verification can’t reach: self-employment, gig work, cash deposits, family support, and other non-payroll income streams. For public sector agencies, this is the primary tool for verifying the hardest-to-document income types. Assets verification also provides account balances for asset-tested programs, replacing manual bank statement collection entirely.

Why Assets verification matters for public sector: A significant portion of benefits clients earn income outside of traditional W-2 employment: rideshare drivers, freelancers, home daycare providers, cash-paid workers, and those receiving family assistance. Payroll verification alone misses these income streams. Assets verification captures them through bank transaction data.

Benefits

Instant verification

Real-time access to bank account data

Direct from source

Data pulled from financial institutions, not self-reported

Self-employed coverage

Bank income analysis for clients without traditional payroll

Expense tracking

Identify business expenses alongside income for complete financial picture

What you get

Account Information

Account type: Checking, savings, money market, CD, investment
Account ownership: Verified account holder name(s)
Current balance: Real-time balance as of the connection date
Available balance: Funds currently available for withdrawal
Account number: Masked account number for identification

Transaction History

Transaction details: Date, description, amount, credit/debit type
Deposit identification: Payroll deposits, government payments, transfers
Large deposits: Flagged for caseworker review
History depth: Up to 2 years (30-730 days, configurable via days_requested)

Documents

Bank statements (PDF)
Account verification letter

Government use cases

Verify self-employment and gig income

Many clients earn income outside traditional W-2 employment:

Self-employed: Home daycare, lawn care, cleaning services, freelance work
Gig economy: Rideshare (Uber, Lyft), delivery (DoorDash, Instacart), TaskRabbit — many gig platforms are also available as payroll connections through the income product
1099 contractors: Independent contractors paid outside of payroll
Cash and informal income: Cash-paid work, family support, room rentals
Government payments: Social Security, disability, veterans benefits

Bank transactions make these income streams visible and verifiable. Deposits are categorized and can be used for self-certification workflows, giving caseworkers documented evidence of income that would otherwise require clients to self-report.Recommended products: income, assets (the income product automatically includes employment data)

Asset-tested benefits (SNAP, Medicaid)

Many benefits programs have asset limits. Assets verification provides verified balances across all connected accounts, giving caseworkers a complete picture of a client’s financial resources without collecting paper bank statements.Typical product: assets

Housing assistance qualification

Verify that clients meet asset thresholds for Section 8, public housing, or emergency rental assistance programs. Assets verification captures checking, savings, and investment account balances.Typical product: assets

Emergency assistance eligibility

For emergency programs (LIHEAP, disaster relief, emergency food assistance), Assets verification provides rapid financial verification so agencies can process applications quickly.Typical product: assets

Recertification and renewals

Refresh bank account balances and transaction data at recertification time using the Order Refresh API. When the client’s bank connection is still active, Truv returns updated balances and recent transactions without requiring the client to reconnect.If the connection has expired, create a new order and send a verification link through your renewal workflow.See Data Refresh for implementation details.Typical product: assets

Data coverage

Financial Institutions

Truv connects to thousands of US banks and credit unions:

Institution Type	Examples
National banks	Chase, Bank of America, Wells Fargo, Citi
Regional banks	PNC, US Bank, TD Bank, Regions
Credit unions	Navy Federal, State Employees CU, Pentagon FCU
Online banks	Ally, Marcus, Discover, Capital One 360
Neobanks	Chime, Current, Varo

Supported Account Types

Account Type	Balance	Transactions	Ownership
Checking	Yes	Yes	Yes
Savings	Yes	Yes	Yes
Money market	Yes	Yes	Yes
CD	Yes	Limited	Yes
Investment / brokerage	Yes	Limited	Yes

How to implement

Path	Code required	Best for
Customer Portal	Minimal	Self-service client verification
Caseworker Portal	None	Caseworker-initiated orders via Dashboard
Document Processing	Minimal	Upload pay stubs and tax documents for extraction

Report structure

API Response

The Assets response uses the VoaApplicantReport schema. The report contains a links array (one per financial institution connection), each with an accounts array. Each account includes balances, owners, and transactions.

Field	Path	Example
Account type	`links[].accounts[].type`	`CHECKING`, `SAVINGS`
Masked number	`links[].accounts[].mask`	`"1234"`
Account holder	`links[].accounts[].owners[].full_name`	`"Jane Smith"`
Current balance	`links[].accounts[].balances.current`	`"5420.75"`
Direct deposit	`links[].accounts[].transactions[].is_direct_deposit`	`true`

View full response example

{
  "report_id": "7d4fcb86b81a4880955beea558092391",
  "created_at": "2024-01-15T10:00:00Z",
  "completed_at": "2024-01-15T10:30:00Z",
  "days_requested": 60,
  "borrower": {
    "first_name": "Maria",
    "last_name": "Garcia"
  },
  "links": [
    {
      "link_id": "150491a20bdb4292bb2a2ad8554fecba",
      "provider": "first_national",
      "provider_name": "First National Bank",
      "accounts": [
        {
          "id": "4d601895417c46ec99633978db12a866",
          "type": "CHECKING",
          "mask": "4521",
          "owners": [
            {
              "full_name": "Maria Garcia",
              "email": "maria.garcia@example.com"
            }
          ],
          "balances": {
            "balance": "2340.75",
            "available_balance": "2240.75",
            "currency_code": "USD"
          },
          "transactions": [
            {
              "id": "txn_001",
              "transacted_at": "2024-01-12T00:00:00Z",
              "description": "DIRECT DEPOSIT - SPRINGFIELD COUNTY",
              "amount": "1850.00",
              "type": "CREDIT",
              "status": "POSTED"
            },
            {
              "id": "txn_002",
              "transacted_at": "2024-01-10T00:00:00Z",
              "description": "VENMO - PAYMENT FROM J GARCIA",
              "amount": "500.00",
              "type": "CREDIT",
              "status": "POSTED"
            }
          ]
        },
        {
          "id": "5e702906528d53a0bb3b3089ec23b977",
          "type": "SAVINGS",
          "mask": "4522",
          "owners": [
            {
              "full_name": "Maria Garcia"
            }
          ],
          "balances": {
            "balance": "8500.00",
            "available_balance": "8500.00",
            "currency_code": "USD"
          },
          "transactions": []
        }
      ]
    }
  ],
  "summary": {
    "total_balance": "10840.75"
  }
}

For the full schema, see the Asset verification reports reference.

API reference

Orders

Create and manage verification orders

Assets Report

Retrieve asset data

Accounts

Financial account details

Webhooks

Receive status notifications

Expense tracking

For self-employed clients, agencies often need to verify expenses alongside income to determine net self-employment income. Bank transaction data captures both sides:

Business expenses: Supplies, equipment, vehicle costs, subcontractor payments
Income deposits: Client payments, platform payouts, recurring transfers

Transaction descriptions and categorization help caseworkers distinguish business expenses from personal spending. Use self-certification to let the client annotate which transactions are business-related.

Best practices

Request 60 days of transactions

60 days provides enough history to identify regular deposits, income patterns, and expenses without overwhelming the caseworker with data.

Allow multiple bank connections

Many clients have accounts at more than one institution. Allow at least 3 connections so clients can add all relevant accounts in one session.

Pair with Income & Employment for complete financial picture

Bank transactions reveal income that payroll data doesn’t capture: gig payments, family transfers, cash deposits. Request both income and assets products in one order. See the Create Order API reference for all available fields.

Review total balance across all accounts

For asset-tested programs, use the summary.total_balance field to quickly compare against program thresholds. Individual account details are available for caseworker review when needed.

Use self-certification for non-payroll income

Enable self-certification so clients can review and confirm bank transaction data. Clients who receive income outside of traditional payroll (freelance, cash, family support) can annotate their deposits to help caseworkers verify income sources.

Set the locale for threshold languages

Pass the locale parameter when creating an order to render Bridge, emails, and SMS in the client’s preferred language. See threshold languages for supported languages.

Next steps

Implementation Guide

Step-by-step technical setup

Overview

Integration scenarios across all channels

Customer Portal

API examples and code patterns

Testing

Sandbox test credentials

Public Sector

Integration

​Benefits

Instant verification

Direct from source

Self-employed coverage

Expense tracking

​What you get

​Account Information

​Transaction History

​Documents

​Government use cases

​Data coverage

​Financial Institutions

​Supported Account Types

​How to implement

​Report structure

​API Response

​API reference

Orders

Assets Report

Accounts

Webhooks

​Expense tracking

​Best practices

​Next steps

Implementation Guide

Overview

Customer Portal

Testing

Benefits

What you get

Account Information

Transaction History

Documents

Government use cases

Data coverage

Financial Institutions

Supported Account Types

How to implement

Report structure

API Response

API reference

Expense tracking

Best practices

Next steps