Truv

Truv is an open finance platform that enables lenders and financial institutions to verify income, employment, assets, insurance, and direct deposit switches through direct payroll connections. Founded in 2020, Truv's unified API reduces verification costs by 60–80% compared to traditional methods, delivering higher conversion rates and faster decisions for mortgage lenders, consumer lenders, retail banks, and tenant screening companies. The platform integrates with leading industry tools including Encompass and nCino, and offers Truv Bridge for consumer-facing verification flows, a dashboard for enterprise operations teams, and a waterfall feature that combines multiple data products.