# Truework

**Canonical:** https://apis.io/providers/truework/  
**Website:** https://www.truework.com  
**APIs profiled:** 5

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.

## Kin Score — 56.6 / 100 (strong)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 56.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 67.3 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 73.7 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 46.1 |
| Access Clarity | 46.1 |

Regulatory layer — **Banking & Open Finance**: 21.5 (matched via tags).

## Agent readiness — 31.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (5)

- **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.

## Agentic access (1)

- **Truework Agentic Access** — 16 operations · 8 acting

## Security (2)

- **Truework Authentication** — http · 1 scheme
- **Truework Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Truework Plans Pricing**

## Tags

Verification, Income Verification, Employment Verification, VOIE, Mortgage, Lending, Credit Unions, Identity, KYC, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/truework/). Scores are computed from the provider's own public artifacts under a published rubric.