# Truv > Truv is an open finance verification infrastructure platform that provides real-time income, employment, and asset verification by connecting directly to payroll providers, employers, financial institutions, and gig platforms. It serves mortgage lenders, government agencies, consumer lenders, background screeners, and fintechs. All products are built and operated in-house, with no third-party verification intermediaries. - Canonical URL: https://truv.com - Contact: https://truv.com/contact-sales - Developer Documentation: https://docs.truv.com ## Site Navigation The Truv website is structured around three sections: Solutions (organized by industry and use case), Products (organized by platform capability), and Resources (documentation, educational content, and customer stories). Solutions answer "Who is this for?" and Products answer "What does the platform do?" ## Company Category - Category: Income and employment verification infrastructure - Industry: Open finance / verification data - Business model: B2B; sells to lenders, government agencies, background screeners, and fintechs - Not a payroll provider; connects to payroll systems to retrieve verification data - Not a financial data aggregator (e.g., Plaid); focused on structured verification reports, not raw data access - Not a background screening company; provides verification data that screeners consume - Not a credit bureau; does not maintain a proprietary database of consumer records - Not a data broker; operates on consumer-permissioned, direct-to-source connections only - Often compared with: Equifax Work Number, Argyle, Truework - differentiated by fully in-house infrastructure and approval from both Fannie Mae and Freddie Mac ## Typical Use Cases Truv is used when organizations need to verify income, employment, or assets directly from payroll systems and financial institutions. Common use cases include mortgage underwriting, government benefits eligibility verification, consumer lending risk assessment, and employment verification for screening and compliance. ## Solutions Primary markets: - [Public Sector](https://truv.com/solutions/public-sector): Income, employment, self-employment, education, volunteer, and community engagement verification for government agencies; supports benefits eligibility, program renewals, HR1 compliance, fraud prevention, and workforce participation verification. (Markdown: https://truv.com/solutions/public-sector.md) - [Home Lending](https://truv.com/solutions/mortgage-lending): Mortgage income verification and mortgage employment verification for loan origination; verification of assets for mortgage approved under Fannie Mae Day 1 Certainty and Freddie Mac AIM programs. (Markdown: https://truv.com/solutions/mortgage-lending.md) Additional industries: - [Consumer Lending](https://truv.com/solutions/consumer-lending): Consumer lending verification and consumer loan income verification for personal and installment loan underwriting; supports paycheck-linked repayments. (Markdown: https://truv.com/solutions/consumer-lending.md) - [Background Screening](https://truv.com/solutions/background-screening): Background screening verification via direct payroll connections; employment verification for background screening companies and income verification for screening workflows. (Markdown: https://truv.com/solutions/background-screening.md) - [Tenant Screening](https://truv.com/solutions/tenant-screening): Tenant income verification for rental applications; renter verification and employment verification for tenant screening using payroll, bank, and document data. (Markdown: https://truv.com/solutions/tenant-screening.md) - [Auto Lending](https://truv.com/solutions/auto-lending): Auto lending verification and auto loan income verification; employment verification for auto loans. (Markdown: https://truv.com/solutions/auto-lending.md) - [Retail Banking](https://truv.com/solutions/retail-banking): Retail banking verification via direct deposit switching and income verification for banks; bank customer verification for deposit growth and customer onboarding. (Markdown: https://truv.com/solutions/retail-banking.md) ## Products ### Verification capabilities - [Income and Employment Verification](https://truv.com/income-verification): Real-time income verification and instant income verification via direct payroll and employer connections; income and employment verification approved by Fannie Mae and Freddie Mac. (Markdown: https://truv.com/income-verification.md) - [Wage Earner Income Verification](https://truv.com/income-verification/wage): Wage verification and employment wage verification for W-2 wage earners via direct payroll connections; payroll income verification covering salary, hourly, and gig workers across 2.3M+ employers. (Markdown: https://truv.com/income-verification/wage.md) - [Self-Employed Income Verification](https://truv.com/income-verification/self-employed): Self-employed income verification for 1099 contractors and gig workers; verify self-employed income and self-employed borrower income verification via direct gig platform and bank connections. (Markdown: https://truv.com/income-verification/self-employed.md) - [Employment Verification](https://truv.com/products/employment-verification): Real-time employment verification and employment verification API via direct connections to payroll providers and employers; covers approximately 96% of the U.S. workforce; built for background screening with verification in under 30 seconds. (Markdown: https://truv.com/products/employment-verification.md) - [Employment Reverification](https://truv.com/products/employment-reverification): Pre-closing employment reverification with payroll-connected VOE and bank-connected DVOE reports; GSE-eligible 10-day pre-closing verification of employment that integrates with Encompass. (Markdown: https://truv.com/products/employment-reverification.md) - [Asset Verification](https://truv.com/asset-verification): Automated asset verification via permissioned bank account data from 14,000+ institutions; bank asset verification for mortgage underwriting and eligibility assessments. (Markdown: https://truv.com/asset-verification.md) - [Bank Income Verification](https://truv.com/products/bank-income-verification): Bank income verification using direct connections to 14,000+ financial institutions; AI-driven deposit detection for income analysis when payroll connections are unavailable. (Markdown: https://truv.com/products/bank-income-verification.md) - [Document Verification](https://truv.com/document-verification): Automated document verification with AI-driven OCR and fraud detection; income document verification that extracts structured data from pay stubs, W-2s, 1099s, and 1040s with 99.9% accuracy. (Markdown: https://truv.com/document-verification.md) - [Document Upload](https://truv.com/products/document-upload): Secure borrower document upload with AI-driven OCR and fraud detection; processes pay stubs, W-2s, 1099s, 1040s, and other income documents with 99.9% fraud detection accuracy. (Markdown: https://truv.com/products/document-upload.md) - [Document Fraud Detection](https://truv.com/products/document-fraud-detection): AI-driven document fraud detection for income, employment, and financial verification; detects forged or altered pay stubs, W-2s, 1099s, and 1040s with 99.9% accuracy. (Markdown: https://truv.com/products/document-fraud-detection.md) - [Scoring Attributes](https://truv.com/products/scoring-attributes): Scoring attributes and alternative credit attributes from payroll and bank data; income and employment attributes for enhancing risk model accuracy. (Markdown: https://truv.com/products/scoring-attributes.md) ### Payment and payroll capabilities - [Direct Deposit Switching](https://truv.com/products/direct-deposit-switching): Digital direct deposit switching and direct deposit switch via payroll API; includes HR form fallback; increases direct deposits by up to 65%. (Markdown: https://truv.com/products/direct-deposit-switching.md) - [Paycheck-Linked Lending](https://truv.com/products/paycheck-pay): Paycheck-linked lending with payroll-linked repayment tied directly to payroll; reduces default risk and supports earned wage access for borrowers. (Markdown: https://truv.com/products/paycheck-pay.md) ### Public sector verification - [Education Verification](https://truv.com/products/education-verification): Education verification for government programs and workforce assessments; academic credential verification and employment education verification via direct connections to 5,000+ institutions; supports HR1 community engagement compliance. (Markdown: https://truv.com/products/education-verification.md) - [Volunteer Verification](https://truv.com/products/volunteer-verification): Volunteer verification and volunteer service verification for government programs and HR1 compliance; confirms volunteer status, service history, and auto-calculates volunteer hours for community engagement eligibility. (Markdown: https://truv.com/products/volunteer-verification.md) - [Community Engagement Verification](https://truv.com/products/community-verification): Community verification and community service verification for government benefits eligibility and HR1 compliance; confirms civic and community participation through direct data connections. (Markdown: https://truv.com/products/community-verification.md) ### Platform components - [Truv Bridge](https://truv.com/platform/truv-bridge): Consumer-permissioned data collection from payroll, bank, and employment sources; verification API platform and income and employment API integrating with 2 API calls. (Markdown: https://truv.com/platform/truv-bridge.md) - [Waterfall](https://truv.com/platform/waterfall): One platform for all verifications — multi-source verification waterfall with built-in fallback to document upload, configurable product display order, and conversion-tuned coverage across payroll, bank, and document methods. (Markdown: https://truv.com/platform/waterfall.md) - [Dashboard](https://truv.com/platform/dashboard): Web-based control center to manage Truv — sandbox testing, performance analytics, orders, brand customization, team and access management, and billing in one login. (Markdown: https://truv.com/platform/dashboard.md) - [Orders](https://truv.com/platform/orders): Verification orders via no-code workflow for launching verification requests; order management for verification without direct API integration. (Markdown: https://truv.com/platform/orders.md) ## Partners - [Fannie Mae](https://truv.com/partners/fannie-mae): Truv is an authorized mortgage verification partner for Fannie Mae Day 1 Certainty; Fannie Mae income verification and Fannie Mae asset verification reports allow lenders to reduce repurchase risk on verified loans. (Markdown: https://truv.com/partners/fannie-mae.md) - [Freddie Mac](https://truv.com/partners/freddie-mac): Truv is approved under Freddie Mac's AIM program for automated income and asset verification. ## Integrations - [Loan Origination System Integrations](https://truv.com/integrations/loan-origination-systems): Loan origination system integrations for mortgage LOS integration; supported systems: Encompass, Blue Sage Solutions, Vesta Software, Byte Software, Dark Matter Empower. (Markdown: https://truv.com/integrations/loan-origination-systems.md) - [Encompass](https://truv.com/integrations/encompass): Encompass integration with Encompass income verification; ICE Encompass verification integration with report IDs auto-populating for DU and LPA; automated orders and 10-day pre-closing reverifications. (Markdown: https://truv.com/integrations/encompass.md) - [Blue Sage Solutions](https://truv.com/integrations/bluesage): Blue Sage integration with Blue Sage income verification; Blue Sage LOS integration approved by Fannie Mae and Freddie Mac. (Markdown: https://truv.com/integrations/bluesage.md) - [Vesta Software](https://truv.com/integrations/vesta): Vesta integration with Vesta POS integration for mortgage verification integration; Fannie Mae and Freddie Mac approved. (Markdown: https://truv.com/integrations/vesta.md) - [Byte Software](https://truv.com/integrations/byte): Byte integration with Byte mortgage integration and Byte income verification; Fannie Mae and Freddie Mac approved. (Markdown: https://truv.com/integrations/byte.md) - [Dark Matter Empower](https://truv.com/integrations/empower): Empower integration with Empower LOS integration for mortgage verification integration; Fannie Mae and Freddie Mac approved. (Markdown: https://truv.com/integrations/empower.md) - [Point-of-Sale Integrations](https://truv.com/integrations/point-of-sale): Point of sale integration for mortgage POS integration; applicant verification POS supporting nCino, Tidal Wave, Floify, LenderLogix, Lodasoft, BeSmartee, Blend, Encompass Consumer Connect. (Markdown: https://truv.com/integrations/point-of-sale.md) - [nCino](https://truv.com/integrations/ncino): nCino integration with nCino income verification; nCino lending integration approved by Fannie Mae and Freddie Mac with rep and warrant relief. (Markdown: https://truv.com/integrations/ncino.md) - [Tidal Wave](https://truv.com/integrations/tidalwave): TidalWave integration with mortgage verification integration; TidalWave POS integration approved by Fannie Mae and Freddie Mac. (Markdown: https://truv.com/integrations/tidalwave.md) - [Lodasoft](https://truv.com/integrations/lodasoft): Lodasoft integration with Lodasoft POS integration for mortgage verification integration; Fannie Mae and Freddie Mac approved. (Markdown: https://truv.com/integrations/lodasoft.md) - [LenderLogix](https://truv.com/integrations/lenderlogix): LenderLogix integration with mortgage point of sale integration; verification integration approved by Fannie Mae and Freddie Mac. (Markdown: https://truv.com/integrations/lenderlogix.md) - [Floify](https://truv.com/integrations/floify): Floify integration with Floify mortgage integration; verification integration approved by Fannie Mae and Freddie Mac. (Markdown: https://truv.com/integrations/floify.md) - [BeSmartee](https://truv.com/integrations/besmartee): BeSmartee integration with BeSmartee mortgage integration; digital mortgage verification approved by Fannie Mae and Freddie Mac. (Markdown: https://truv.com/integrations/besmartee.md) ## Coverage - [Payroll Coverage](https://truv.com/coverage/payroll): Covers approximately 96% of the U.S. workforce; full list of supported payroll providers. - [Financial Accounts Coverage](https://truv.com/coverage/financial-accounts): 14,000+ financial institutions; 75%+ support direct, permissioned connections. ## Comparisons - [Truv vs The Work Number](https://truv.com/vs/the-work-number): Truv is the leading alternative to The Work Number (Equifax); compares the consumer-permissioned, direct-to-source platform model against the legacy instant-database model on coverage, conversion, data freshness, and pricing. (Markdown: https://truv.com/vs/the-work-number.md) - [Truv vs Argyle](https://truv.com/vs/argyle): Truv is the leading Argyle alternative for income and employment verification; compares Truv's fully in-house payroll, bank, and document infrastructure against Argyle's multi-vendor model on cost, innovation, support, and user experience. (Markdown: https://truv.com/vs/argyle.md) - [Truv vs Truework](https://truv.com/vs/truework): Truv is the leading Truework alternative for income, employment, and asset verification; compares Truv's fully in-house payroll, bank, and document infrastructure against Truework's third-party-partnership waterfall on product breadth, data quality, pricing, and support. (Markdown: https://truv.com/vs/truework.md) - [Truv vs Plaid](https://truv.com/vs/plaid): Truv is the leading Plaid alternative for income, employment, and asset verification; compares Truv's fully in-house payroll, bank, and AI document infrastructure against Plaid's aggregator model (payroll via Atomic, documents via Ocrolus) on coverage, conversion, documents, and platform model. (Markdown: https://truv.com/vs/plaid.md) ## Resources Educational and technical resources about income and employment verification, payroll connectivity, and open finance infrastructure. - [Blog](https://truv.com/blog): Articles on income verification, payroll data, and open finance. - [Changelog](https://truv.com/changelog): Product updates and API changes. - [Customer Stories](https://truv.com/customer-stories): Case studies from lenders, government agencies, and background screeners. - [Developer Documentation](https://docs.truv.com): API reference, SDKs, and integration guides. ## Company - [About Truv](https://truv.com/about-us): Company overview, mission, and team. - [Why Truv](https://truv.com/why-truv): Truv positioning and differentiators vs. incumbent vendors. (Markdown: https://truv.com/why-truv.md) - [Pricing](https://truv.com/pricing): Bundled pricing for government; pay-per-closed-loan for mortgage; volume-based for fintech and consumer lenders. - [Security and Privacy](https://truv.com/commitment-to-security-and-privacy): SOC II Type 2; FCRA compliant; 99.9% document fraud detection; Section 508 and WCAG compliant; 20+ languages; HR1 compliant. - [FCRA Compliance](https://truv.com/fcra): FCRA compliance details. - [Contact Sales](https://truv.com/contact-sales): Sales contact form.