# Truv

**Canonical:** https://apis.io/providers/truv/  
**Website:** https://truv.com  
**APIs profiled:** 20

Truv provides consumer-permissioned access to payroll, income, and employment data. Its platform lets applicants connect their payroll accounts to instantly verify income and employment, retrieve pay statements, and switch direct deposit, replacing manual document collection and legacy verification services across lending, background screening, and fintech workflows.

## Kin Score — 39.0 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 39.0).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 51.8 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 47.4 |
| Access Clarity | 47.4 |

## Agent readiness — 21.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| 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

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

## APIs (20)

- **Truv Admin API** — Administrative access key management.
- **Truv Banking API** — Verification-of-assets banking data for a connected link.
- **Truv Bridge Tokens API** — Mint tokens that initialize the Truv Bridge widget and connect flows.
- **Truv Companies & Providers API** — Employer companies, mappings, and data providers.
- **Truv Direct Deposit API** — Direct deposit and deposit switch reports.
- **Truv Employment API** — Verification of employment data and reports.
- **Truv Identity API** — Consumer identity data for a connected link.
- **Truv Income API** — Income reports, transactions, and income insights.
- **Truv Insurance API** — Insurance reports including auto and home.
- **Truv Links API** — Manage connections between a consumer and a payroll or financial data source.
- **Truv Orders API** — Verification orders and their lifecycle.
- **Truv Pay Statements API** — Individual pay statement documents.
- **Truv Payroll & Shifts API** — Shift-level payroll data.
- **Truv PLL API** — Pre-qualification lending logic reports.
- **Truv Scoring API** — Scoring attribute reports.
- **Truv Tasks API** — Asynchronous task tracking.
- **Truv Tax API** — Tax document data for a connected link.
- **Truv Templates API** — Reusable configuration templates.
- **Truv Users API** — Manage the end users (consumers) whose data is connected through Truv.
- **Truv Webhooks API** — Webhook endpoint registration and delivery history.

## Agentic access (1)

- **Truv Agentic Access** — 68 operations · 25 acting

## Security (4)

- **Truv Authentication** — apiKey · 2 schemes
- **Truv Domain Security** — TLSv1.3 · HSTS · DMARC
- **Truv Vulnerability Disclosure** — disclosure policy published
- **Truv Trust Center** — SOC 2, GDPR

## Plans (1)

- **Truv Plans Pricing**

## Tags

Income Verification, Employment Verification, Payroll, Direct Deposit, Consumer-Permissioned Data, Fintech

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