Truework website screenshot

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 4 APIs on the APIs.io network, including subpackage_orders API, subpackage_qualificationChecks API, subpackage_reports API, and 1 more. Tagged areas include Verifications, 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 38 more developer resources.

🌐 Visit website 📡 Source on GitHub
68.2/100 exemplar ▬ flat Agent 43/100 agent ready Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessSelf serve
5 APIs 18 Features
VerificationsIncome VerificationEmployment VerificationVOIEMortgageLendingCredit UnionsIdentityKYCFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 68.2/100 · exemplar
Contract Quality 18.6 / 25
Developer Ergonomics 12.6 / 20
Commercial Clarity 12.6 / 20
Operational Transparency 9.9 / 13
Governance 7.0 / 12
Discoverability 7.4 / 10
Agent readiness — 43/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/truework: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

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_qualificationChecks 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_tenantProperties API

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

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 3

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

Truework Qualifications & Tenant Properties API (Beta)

OPEN COLLECTION

Truework Verifications API

OPEN COLLECTION

Truework Webhooks

OPEN COLLECTION

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

Scroll for all 18

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.

Truework API Rules

6 rules · 5 warnings 1 info

SPECTRAL

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 1

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

Truework Agentic Access

16 operations · 8 acting

16 operations · 8 acting

AGENTIC

Resources

Get Started 8

Portal, sign-up, and the first successful call

Portal
Portal
 Sandbox
Sandbox
 GettingStarted
GettingStarted
 Portal
Portal
 Portal
Portal
 Signup
Signup
 Login
Login
 Sandbox
Sandbox

Scroll for all 8

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
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation
 Documentation
Documentation

Scroll for all 16

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
GitHubOrganization
 SDKs
SDKs
 Tools
Tools
 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
RateLimits
 StatusPage
StatusPage
 Support
Support
 RateLimits
RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
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:
  - 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_qualificationChecks 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:
  - 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_tenantProperties 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
name: Truework
tags:
- Verifications
- Income Verification
- Employment Verification
- VOIE
- Mortgage
- Lending
- Credit Unions
- Identity
- KYC
- Fintech
kind: contract
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/truework.png
access: 3rd-Party
common:
- 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: '2026-05-24'
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: '0.16'