Truework

Truework operates a unified income and employment verification platform for mortgage lenders, credit unions, and fintechs. The Truework API orchestrates six verification methods — Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials, Smart Outreach, and Document Upload — behind a single REST surface (api.truework.com), asynchronous webhooks, and the Truework.js / Truework Direct widget for consumer-permissioned verifications. The platform claims coverage of more than 97% of U.S. workers and 75% completion rates versus a ~48% industry average. Core resources are Orders, Verification Requests, Reports, and Order Events, with beta surfaces for Qualification Checks and Tenant Properties.

Truework publishes 6 API contracts indexed on the APIs.io network, including Subpackage Orders API, Subpackage Qualification Checks API, Subpackage Reports API, and 3 more. Tagged areas include Verification, Income Verification, Employment Verification, VOIE, and Mortgage.

The Truework catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Truework’s developer surface includes authentication, developer portal, documentation, sandbox, getting-started guide, signup flow, support, and 40 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.9/100 developing ▬ flat Agent 37/100 agent ready Front door AI 1/6 silent Heartbeat 19/100 slowing saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

3 published contracts 18 Features

Verification Income Verification Employment VerificationVOIEMortgage Lending Credit Union Identity KYC Fintech

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

SaaS Tenant Management

BC-4230

subpackage_tenantProperties

POST /tenant-properties

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 45.9/100 · developing

Contract Quality 12.1 / 19

Developer Ergonomics 9.8 / 15

Access Clarity 3.5 / 15

Operational Transparency 4.6 / 10

Contract Governance 0.9 / 9

Discoverability 5.4 / 8

Regulatory Posture 1.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →
Agent Skills +5 pts — skills artifact present, graded by who authored it Ask about this →

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 23.4 — up to +15.3 composite points Ask about this →
Contract Governance scores 9.8 — up to +10.8 composite points Ask about this →
Contract Quality scores 64.4 — up to +8.9 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/truework/apis.yml: open an issue on github.com/api-evangelist/truework to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	standard	51.7	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Truework.js (Truework Direct)

Truework.js is the client-side JavaScript library that powers Truework Direct, the borrower-driven (consumer-permissioned) verification flow. The host page loads `https://js.tru...

Truework Subpackage Orders API

The subpackage_orders API from Truework — 8 operation(s) for subpackage_orders.

Truework Subpackage Qualification Checks API

The subpackage_qualificationChecks API from Truework — 3 operation(s) for subpackage_qualificationchecks.

Truework Subpackage Reports API

The subpackage_reports API from Truework — 1 operation(s) for subpackage_reports.

Truework Subpackage Tenant Properties API

The subpackage_tenantProperties API from Truework — 2 operation(s) for subpackage_tenantproperties.

Truework Webhooks API

The Truework Webhooks API from Truework — 0 operation(s) for truework webhooks.

Postman Collections 4

Ready-to-run Postman collections for exercising this provider's APIs.

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders API

POSTMAN

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders subpackage_qualificationChecks API

POSTMAN

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders subpackage_reports API

POSTMAN

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders subpackage_tenantProperties API

POSTMAN

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Truework Qualifications & Tenant Properties API (Beta)

OPEN COLLECTION

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders API

OPEN COLLECTION

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders subpackage_qualificationChecks API

OPEN COLLECTION

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders subpackage_reports API

OPEN COLLECTION

Truework Qualifications & Tenant Properties API (Beta) subpackage_orders subpackage_tenantProperties API

OPEN COLLECTION

Truework Verifications API

OPEN COLLECTION

Truework Webhooks

OPEN COLLECTION

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Truework API pricing

Not yet checked against Truework's own pricing page. Compiled by API Evangelist on 2026-05-24 from www.truework.com/products/api; confirm before you rely on a figure.

Plan	Price
Truework Verifications Platform contact-sales	—
Truework API contact-sales	—
LOS / POS Integrations packaged	—

Plan details, limits and sources →

Rate limits

: second
: second
: webhook instances

Compiled by API Evangelist, not yet checked against Truework's documentation. Rate-limit details →

Billed by: verification · FinOps profile →

Pricing Plans 1

Published pricing tiers and plan structures.

Truework Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Truework Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Truework Finops

FINOPS

Features 18

Notable capabilities this provider offers.

Six verification methods orchestrated automatically — Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials, Smart Outreach, Document Upload

Coverage of over 97% of U.S. workers from a single platform

Truework Direct (Truework.js) borrower-driven verification widget loaded from https://js.truework.com/v1

Dated API versioning (current 2023-10-30) with per-key version pinning via the Accept header

Bearer-token API keys, prefixed tw_sk_ (production) and tw_sk_test_ (sandbox)

Publishable keys (tw_pk_, tw_pk_test_) for client-side Truework.js

Sandbox environment at https://api.truework-sandbox.com with deterministic test SSN fixtures

Webhook delivery with 48-hour retry and X-Truework-Token header authentication

Up to 10 webhook destinations per account

10 req/s per source IP and 10 req/s per account rate envelope, with 429 on overage

Order lifecycle states pending-approval, processing, action-required, completed, canceled, invalid

Asynchronous target-employer orders plus synchronous employer-search orders

Reverification endpoint POST /orders/reverification for refreshing prior reports

Beta Qualification Checks for low-latency knockout decisioning on verified income/employment

Beta Tenant Properties for tenant-scoped verification configuration

GSE-ready unified reporting (Day 1 Certainty, AIM, GUS) for mortgage lenders

LOS integrations (Encompass, Empower) and POS integrations (Blend, nCino)

Public OpenAPI specs published from truework.docs.buildwithfern.com

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Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Truework Context

0 classes · 8 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Truework — jsonschema rules

6 rules · 5 warn-severity 1 info-severity

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Truework Subpackage Orders Api Certification Overlay

1 action · security · truework-subpackage-orders-api-openapi.yml

DERIVED

Truework Subpackage Qualificationchecks Api Certification Overlay

1 action · security · truework-subpackage-qualificationchecks-api-openapi.yml

DERIVED

Truework Subpackage Tenantproperties Api Certification Overlay

1 action · security · truework-subpackage-tenantproperties-api-openapi.yml

DERIVED

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Truework Order

0 properties

JSON SCHEMA

Truework Verification Report

0 properties

JSON SCHEMA

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Truework Authentication

http · 1 scheme

SECURITY

Truework Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Truework Agentic Access

16 operations · 8 acting

AGENTIC

Resources

Get Started 8

Portal, sign-up, and the first successful call

Portal

Sandbox

GettingStarted

Portal

Portal

Signup

Login

Sandbox

Sandbox

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Documentation 16

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

Documentation

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Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Versioning

Versioning

ErrorCodes

ErrorCodes

Webhooks

Webhooks

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

SDKs

Tools

Tools

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

RateLimits

StatusPage

Support

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: truework
url: https://raw.githubusercontent.com/api-evangelist/truework/refs/heads/main/apis.yml
apis:
- aid: truework:truework-js
  name: Truework.js (Truework Direct)
  tags:
  - JavaScript
  - SDK
  - Embedded
  humanURL: https://www.truework.com/docs/guides/truework-direct/truework-js-reference
  baseURL: https://js.truework.com/v1
  properties:
  - url: https://www.truework.com/docs/guides/truework-direct/truework-js-reference
    type: Documentation
  - url: https://www.truework.com/docs/guides/truework-direct/getting-started
    type: Documentation
  - url: https://github.com/truework/truework.js-examples
    type: CodeExamples
  description: 'Truework.js is the client-side JavaScript library that powers Truework Direct, the borrower-driven (consumer-permissioned)
    verification flow. The host page loads `https://js.truework.com/v1` and initializes the widget with a session token created
    server-side via POST /orders/truework-direct, then handles `onComplete`, `onClose`, and `onError` callbacks. Publishable
    keys (`tw_pk_*` / `tw_pk_test_*`) authenticate the client.

    '
- aid: truework:truework-subpackage-orders-api
  name: Truework Subpackage Orders API
  description: The subpackage_orders API from Truework — 8 operation(s) for subpackage_orders.
  humanURL: https://www.truework.com/docs/api-reference
  baseURL: https://api.truework.com
  tags: []
  tags_raw:
  - subpackage_orders
  properties:
  - type: OpenAPI
    url: openapi/truework-subpackage-orders-api-openapi.yml
  - type: Documentation
    url: https://www.truework.com/docs/api-reference
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/versions/2023-10-30
  - type: JSONSchema
    url: json-schema/truework-order-schema.json
  - type: JSONSchema
    url: json-schema/truework-report-schema.json
  - type: JSONLD
    url: json-ld/truework-context.jsonld
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks/security
- aid: truework:truework-subpackage-qualificationchecks-api
  name: Truework Subpackage Qualification Checks API
  description: The subpackage_qualificationChecks API from Truework — 3 operation(s) for subpackage_qualificationchecks.
  humanURL: https://www.truework.com/docs/api-reference
  baseURL: https://api.truework.com
  tags:
  - subpackage_qualificationChecks
  properties:
  - type: OpenAPI
    url: openapi/truework-subpackage-qualificationchecks-api-openapi.yml
  - type: Documentation
    url: https://www.truework.com/docs/api-reference
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/versions/2023-10-30
  - type: JSONSchema
    url: json-schema/truework-order-schema.json
  - type: JSONSchema
    url: json-schema/truework-report-schema.json
  - type: JSONLD
    url: json-ld/truework-context.jsonld
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks/security
- aid: truework:truework-subpackage-reports-api
  name: Truework Subpackage Reports API
  description: The subpackage_reports API from Truework — 1 operation(s) for subpackage_reports.
  humanURL: https://www.truework.com/docs/api-reference
  baseURL: https://api.truework.com
  tags: []
  tags_raw:
  - subpackage_reports
  properties:
  - type: OpenAPI
    url: openapi/truework-subpackage-reports-api-openapi.yml
  - type: Documentation
    url: https://www.truework.com/docs/api-reference
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/versions/2023-10-30
  - type: JSONSchema
    url: json-schema/truework-order-schema.json
  - type: JSONSchema
    url: json-schema/truework-report-schema.json
  - type: JSONLD
    url: json-ld/truework-context.jsonld
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks/security
- aid: truework:truework-subpackage-tenantproperties-api
  name: Truework Subpackage Tenant Properties API
  description: The subpackage_tenantProperties API from Truework — 2 operation(s) for subpackage_tenantproperties.
  humanURL: https://www.truework.com/docs/api-reference
  baseURL: https://api.truework.com
  tags:
  - subpackage_tenantProperties
  properties:
  - type: OpenAPI
    url: openapi/truework-subpackage-tenantproperties-api-openapi.yml
  - type: Documentation
    url: https://www.truework.com/docs/api-reference
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/versions/2023-10-30
  - type: JSONSchema
    url: json-schema/truework-order-schema.json
  - type: JSONSchema
    url: json-schema/truework-report-schema.json
  - type: JSONLD
    url: json-ld/truework-context.jsonld
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks
  - type: Documentation
    url: https://www.truework.com/docs/api-reference/webhooks/security
- aid: truework:truework-truework-webhooks-api
  name: Truework Webhooks API
  description: The Truework Webhooks API from Truework — 0 operation(s) for truework webhooks.
  humanURL: https://www.truework.com/docs/guides/truework-direct/truework-js-reference
  baseURL: https://js.truework.com/v1
  tags:
  - Truework Webhooks
  properties:
  - type: OpenAPI
    url: openapi/truework-truework-webhooks-api-openapi.yml
name: Truework
tags:
- Verification
- Income Verification
- Employment Verification
- VOIE
- Mortgage
- Lending
- Credit Union
- Identity
- KYC
- Fintech
tags_raw:
- Verifications
- Income Verification
- Employment Verification
- VOIE
- Mortgage
- Lending
- Credit Unions
- Identity
- KYC
- Fintech
kind: contract
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/truework.png
access: 3rd-Party
common:
- type: CapabilityMap
  url: capabilities/truework-capability-edges.yml
  name: Truework Business Capability Map
- type: Website
  url: https://www.truework.com/
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/truework/overview
- type: AgenticAccess
  url: agentic-access/truework-agentic-access.yml
- type: DomainSecurity
  url: security/truework-domain-security.yml
- type: Authentication
  url: authentication/truework-authentication.yml
- type: Portal
  url: https://www.truework.com
- type: Documentation
  url: https://www.truework.com/docs
- type: Documentation
  url: https://www.truework.com/docs/api-reference
  name: API Reference
- type: Documentation
  url: https://www.truework.com/docs/api-reference/versions/2023-10-30
  name: API Version 2023-10-30
- type: Documentation
  url: https://www.truework.com/docs/api-reference/versions
  name: Versioning
- type: Versioning
  url: https://www.truework.com/docs/api-reference/versions
- type: Authentication
  url: https://www.truework.com/docs/api-reference/authentication
- type: RateLimits
  url: https://www.truework.com/docs/api-reference/limits
- type: ErrorCodes
  url: https://www.truework.com/docs/api-reference/versions/2023-10-30
- type: Sandbox
  url: https://www.truework.com/docs/api-reference/sandbox
  name: Sandbox Environment
- type: Documentation
  url: https://www.truework.com/docs/api-reference/sandbox/test-cases
  name: Sandbox Test Cases
- type: Documentation
  url: https://www.truework.com/docs/api-reference/monitoring
  name: Monitoring
- type: Webhooks
  url: https://www.truework.com/docs/api-reference/webhooks
- type: Documentation
  url: https://www.truework.com/docs/api-reference/webhooks/security
  name: Webhook Security
- type: Documentation
  url: https://www.truework.com/docs/guides
  name: Guides
- type: GettingStarted
  url: https://www.truework.com/docs/guides/api/getting-started
- type: Documentation
  url: https://www.truework.com/docs/guides/methods
  name: Verification Methods
- type: Documentation
  url: https://www.truework.com/docs/guides/workflows
  name: API Workflows
- type: Documentation
  url: https://www.truework.com/docs/guides/truework-direct/getting-started
  name: Truework Direct
- type: Documentation
  url: https://www.truework.com/docs/guides/truework-direct/truework-js-reference
  name: Truework.js Reference
- type: Documentation
  url: https://www.truework.com/docs/guides/mortgage/mortgage-intro
  name: Mortgage Solutions
- type: Documentation
  url: https://www.truework.com/docs/guides/mortgage/mortgage-los
  name: LOS Integrations
- type: Documentation
  url: https://www.truework.com/docs/guides/mortgage/mortgage-pos
  name: POS Integrations
- type: Portal
  url: https://www.truework.com/products/api
  name: Truework API Product Page
- type: Portal
  url: https://www.truework.com/products
  name: Products
- type: Signup
  url: https://app.truework.com/requester/signup
- type: Login
  url: https://app.truework.com/requester/login
- type: Sandbox
  url: https://api.truework-sandbox.com
  name: Sandbox API
- type: StatusPage
  url: https://truework.statuspage.io
- type: Support
  url: https://help.truework.com
  name: Help Center
- type: Documentation
  url: https://www.truework.com/legal/terms
  name: Terms of Service
- type: PrivacyPolicy
  url: https://www.truework.com/legal/privacy
- type: GitHubOrganization
  url: https://github.com/truework
- type: SDKs
  url: https://github.com/truework/truework.js-examples
  name: Truework.js Examples
- type: Tools
  url: https://github.com/truework/gretchen
  name: gretchen
- type: Tools
  url: https://github.com/truework/mounty
  name: mounty
- type: LinkedIn
  url: https://www.linkedin.com/company/truework
- type: Blog
  url: https://www.truework.com/resource-center/blog
- type: Plans
  url: plans/truework-plans-pricing.yml
- type: RateLimits
  url: rate-limits/truework-rate-limits.yml
- type: FinOps
  url: finops/truework-finops.yml
- type: Features
  data:
  - Six verification methods orchestrated automatically — Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials,
    Smart Outreach, Document Upload
  - Coverage of over 97% of U.S. workers from a single platform
  - Truework Direct (Truework.js) borrower-driven verification widget loaded from https://js.truework.com/v1
  - Dated API versioning (current 2023-10-30) with per-key version pinning via the Accept header
  - Bearer-token API keys, prefixed tw_sk_ (production) and tw_sk_test_ (sandbox)
  - Publishable keys (tw_pk_, tw_pk_test_) for client-side Truework.js
  - Sandbox environment at https://api.truework-sandbox.com with deterministic test SSN fixtures
  - Webhook delivery with 48-hour retry and X-Truework-Token header authentication
  - Up to 10 webhook destinations per account
  - 10 req/s per source IP and 10 req/s per account rate envelope, with 429 on overage
  - Order lifecycle states pending-approval, processing, action-required, completed, canceled, invalid
  - Asynchronous target-employer orders plus synchronous employer-search orders
  - Reverification endpoint POST /orders/reverification for refreshing prior reports
  - Beta Qualification Checks for low-latency knockout decisioning on verified income/employment
  - Beta Tenant Properties for tenant-scoped verification configuration
  - GSE-ready unified reporting (Day 1 Certainty, AIM, GUS) for mortgage lenders
  - LOS integrations (Encompass, Empower) and POS integrations (Blend, nCino)
  - Public OpenAPI specs published from truework.docs.buildwithfern.com
  sources:
  - https://www.truework.com/docs
  - https://www.truework.com/docs/api-reference
  - https://www.truework.com/docs/api-reference/limits
  - https://www.truework.com/docs/api-reference/webhooks
  - https://www.truework.com/products/api
  - https://www.truework.com/products
  updated: '2026-05-24'
created: '2026-05-24T00:00:00.000Z'
modified: '2026-09-16'
position: Consuming
description: 'Truework operates a unified income and employment verification platform for mortgage lenders, credit unions,
  and fintechs. The Truework API orchestrates six verification methods — Instant Data, Payroll Credentials, Bank Credentials,
  Tax Credentials, Smart Outreach, and Document Upload — behind a single REST surface (api.truework.com), asynchronous webhooks,
  and the Truework.js / Truework Direct widget for consumer-permissioned verifications. The platform claims coverage of more
  than 97% of U.S. workers and 75% completion rates versus a ~48% industry average. Core resources are Orders, Verification
  Requests, Reports, and Order Events, with beta surfaces for Qualification Checks and Tenant Properties.

  '
maintainers:
- FN: Kin Lane
  email: info@apievangelist.com
  X: apievangelist
  url: https://apievangelist.com
specificationVersion: '0.23'

Truework API — frequently asked questions

Does Truework have an API?

Yes. APIs.io lists 6 APIs from Truework, including Truework.js (Truework Direct), Truework Subpackage Orders API and Truework Subpackage Qualification Checks API, and 3 more.

Is there an OpenAPI specification for the Truework API?

Yes. APIs.io indexes 5 OpenAPI specifications for Truework, each linked for download from this page.

How do I authenticate with the Truework API?

Truework uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Truework Authentication.

How much does the Truework API cost?

APIs.io lists 3 pricing plans for Truework, with each plan's price, limits and inclusions under Pricing on this page.

Is the Truework API ready for AI agents?

Truework has a Kin Score of 45.9 out of 100 (developing) and an Agent Readiness score of 36.5 (agent-ready), scored by API Evangelist on 2026-11-13.

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