Net Worth & Cashflow
See Real Income and Cash Flow - Not What Applicants Want You to See
deepidv's financial verification connects directly to applicant bank accounts (with consent) at 250+ financial institutions, retrieves authentic statements, and uses AI to analyze financial health.
250+
Banks Supported
2-3
Minute Setup
How It Works
Direct bank connections and AI-powered financial analysis
Automatic Bank Statement Retrieval
Applicants consent and securely connect their bank accounts through our portal. We sync directly with their financial institution - Chase, Bank of America, Wells Fargo, credit unions, and 250+ others - to retrieve 3-12 months of authentic transaction data. No more uploaded PDFs. No fake statements. Just verified data from the source.
AI-Powered Financial Analysis
Our AI analyzes transaction data to assess real financial capacity. We identify salary deposits, freelance payments, and investment income. Detect income irregularities, spending patterns, and cash flow problems. Calculate debt-to-income ratios and financial health scores automatically.
Bank-Level Security
OAuth 2.0 authentication and bank-level encryption. We never store banking credentials. Applicants can revoke access anytime. Connections are read-only - we can't initiate transactions. SOC 2 Type II compliant.
What Our AI Analyzes
Automatic assessment of income, expenses, and financial health from transaction data
Income Verification
Identify salary deposits, freelance payments, investment income, and all income sources. Calculate actual monthly income from transaction patterns - not self-reported claims.
Income Consistency
Detect irregular income, one-time windfalls, and unstable employment. Consistent bi-weekly deposits indicate stable employment; sporadic deposits suggest temporary income.
Expense Analysis
Track spending on rent/mortgage, utilities, debt payments, subscriptions, and discretionary expenses. Calculate true disposable income after obligations.
Cash Flow Assessment
Monitor account balances over time, overdraft frequency, negative balance periods, and paycheck-to-paycheck patterns. Strong cash flow means healthy finances.
Debt Service Calculation
Identify loan payments, credit card payments, and debt obligations from transaction data. Calculate debt-to-income ratios automatically.
Financial Red Flags
Detect overdrafts, returned payments, garnishments, collections activity, gambling transactions, and unusual cash withdrawals that indicate financial problems.
Verified Data vs Self-Reported Claims
Pay Stubs Are Easily Forged
- Creating fake pay stubs takes minutes and looks authentic
- Bank transactions from verified financial institutions can't be faked
Self-Reported Income Is Unreliable
- Applicants round up, include one-time bonuses as regular income, or claim income that doesn't exist
- Transaction data reveals actual deposits
Credit Reports Show Debt, Not Income
- Credit reports show what you owe but not what you earn
- Financial verification shows both - giving complete financial pictures
Bank Statements Can Be Doctored
- Uploaded PDFs can be altered, transactions deleted, or fabricated
- Direct bank connections eliminate document fraud
AI Catches What Humans Miss
- Manual review misses patterns
- AI detects income irregularities, spending red flags, and cash flow problems across thousands of transactions instantly
No Manual Data Entry
- Automatic retrieval eliminates human error
- Data flows directly from banks to reports
- Fast, accurate, auditable
Use Cases Across Lending & Screening
Financial verification strengthens decision-making across industries
Tenant Screening
Verify rental applicants actually earn what they claim and can afford rent. Analyze rent-to-income ratios using real income data. Detect financial stress patterns.
Mortgage Lending
Automated income verification satisfies QM rules. Verify employment income, self-employment earnings, and non-W2 income sources directly from bank data.
Auto Financing
Quickly verify buyer income capacity for auto loans and leases. Reduce stated income fraud and improve approval accuracy.
Personal Lending
Assess repayment capacity for personal loans, lines of credit, and consumer financing. Reduce default rates by identifying financially stressed borrowers.
Small Business Lending
Verify business owner income, business account cash flow, and revenue patterns for small business loans. See real business performance.
Income-Based Programs
Verify income eligibility for affordable housing, assistance programs, and income-restricted offerings using authenticated financial data.
Applicant Experience
User-friendly portal with secure bank connections
Select Bank
Choose from 250+ supported financial institutions
Secure Login
Log in through secure bank portal (OAuth verified)
Authorize Access
Grant read-only access to bank statements
Auto-Complete
Verification completes automatically in seconds
Choose Your Verification Approach
Direct Bank Connection vs PDF Upload
Most secure or flexible option for your workflow
Direct Bank Connection
- Real-time bank data retrieval
- Impossible to forge or alter
- 3-12 months of transaction history
- Applicant controls access revocation
- Fastest verification process
- AI analysis of live data
PDF Upload Alternative
- For banks not in our network
- Applicant provides statements
- AI analysis still available
- Documents can be altered
- Slower manual review needed
- Good backup option
The Applicant Portal
2-3 minute setup with no documents to scan or upload
User-Friendly Interface
Intuitive portal guides applicants through bank connection. Simple steps with clear explanations.
2-3 Minute Setup
No uploading documents. No scanning statements. No manual data entry. Just secure bank connection.
Full Control
Applicants log in directly to their bank. We never see their credentials. They control access and can revoke anytime.
Trusted & Certified
SOC 2 Type II
Audited security controls for data protection
GDPR Compliant
Full compliance with EU data privacy regulations
ISO 27001
International standard for information security
DIACC Member
Digital ID & Authentication Council of Canada
Ship Verification in Hours, Not Weeks
Our SDK gives you pre-built UI components, server-side libraries, and a sandbox environment so you can go from zero to live verification in a single sprint.
import { DeepIDV } from '@deepidv/sdk';
const client = new DeepIDV({
apiKey: process.env.DEEPIDV_API_KEY,
});
const verification = await client.verify({
type: 'identity',
checks: ['id-document', 'liveness', 'face-match'],
webhookUrl: 'https://yourapp.com/webhooks',
});
// verification.url → send to your user
// verification.id → track the sessionClient SDKs
Native SDKs for iOS, Android, and Web with drop-in UI components for ID capture, liveness, and document upload.
Server SDKs
Node.js, Python, and Go libraries to manage verifications, retrieve results, and configure workflows programmatically.
Sandbox Environment
Full-featured test environment with simulated ID documents, mock biometrics, and instant webhook delivery for rapid development.
Modular Architecture
Pick only the modules you need — ID verification, liveness, e-signatures, document management — and compose custom flows.
Experience the Difference
See how deepidv financial verification can protect your lending decisions - it takes 60 seconds.
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Frequently asked questions
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