> ## Documentation Index > Fetch the complete documentation index at: https://docs.truv.com/llms.txt > Use this file to discover all available pages before exploring further. # The User Asset Reports object > User-level Verification of Assets (VOA) reports that aggregate asset and financial account data across all account links. User Reports aggregate asset and financial account data across all of a user's account links into a single report. # Attributes The tables below have the values, format, and descriptions for the responses. | Attribute | Type | Description | | | :------------------------ | :----------------- | :---------------------------------------------------------------------------------------------------------------------------- | -- | | report\_id | string | Unique identifier of the report | | | created\_at | date-time | Timestamp when report was created | | | completed\_at | date-time | Timestamp when report was completed | | | days\_requested | integer | Number of days for requested transactions | | | as\_of\_date | date | End date of the report period. Start date is as\_of\_date minus days\_requested. Defaults to the current date if not provided | \\ | | large\_deposit\_threshold | integer (nullable) | Amount that must be met or exceeded for deposits to be marked as large | | | is\_voe | boolean | Indicates whether the report is a Deposit-based Verification of Employment (DVOE) | | | borrower | object | Borrower information, see [Borrower object](#borrower-object) | | | links | array of objects | List of assets links, see [Links object](#links-object) | | | summary | object | Balance summary information for account, see [Summary object](#summary-object) | | ## Borrower object Information in the table below is for the borrower object. | Attribute | Type | Description | | :----------------- | :-------- | :----------------------------------- | | id | string | Unique ID of user | | external\_user\_id | string | External user ID | | first\_name | string | First name | | last\_name | string | Last name | | email | string | Email address | | phone | string | Phone number | | ssn | string | Social Security Number | | created\_at | date-time | Timestamp when user was created | | updated\_at | date-time | Timestamp when user was last updated | *** ## Links object The information in this table is for values in the Links object. | Attribute | Type | Description | | :------------- | :--------------- | :--------------------------------------------------------------- | | link\_id | string | Unique identifier of the link | | tracking\_info | string | Additional optional identifier passed by user | | provider | string | ID of the financial institution | | provider\_name | string | Name of the financial institution | | accounts | array of objects | List of assets accounts, see [Accounts object](#accounts-object) | ### Accounts object The table below covers values in the accounts object. | Attribute | Type | Description | | :------------------------------ | :--------------- | :-------------------------------------------------------------------------------- | | id | string | Unique identifier of account | | created\_at | date-time | Date and time account was created | | updated\_at | date-time | Date and time account was most recently updated | | type | string | Parent type of the account, example `CHECKING` or `SAVINGS` | | subtype | string | Account's subtype, example `PLAN_401_K`, `MONEY_MARKET`, or `HOME_EQUITY` | | mask | string | Masked banking account number associated with account | | routing\_number | string | Bank routing number associated with the account | | nickname | string | Alternate name for account | | days\_available | integer | Available number of days for transactions from `days_requested` | | balance\_as\_of | date-time | Timestamp for when balance was captured | | balances | object | List of balance information from account, see [Balances object](#balances-object) | | transactions | array of objects | List of transactions for account, see [Transactions object](#transactions-object) | | owners | array of objects | List of owners for account, see [Owners object](#owners-object) | | summary | object | Balance summary information for account, see [Summary object](#summary-object) | | same\_owner\_as\_requested | boolean | Whether account owner matches the requested user | | direct\_deposit\_from\_employer | boolean | Whether account has direct deposit from employer | | nsf | integer | NSF (Non-sufficient funds) count | #### Balances object The information in the table below refers to values in the balances object. | Attribute | Type | Description | | :----------------- | :----- | :------------------------------------------------------------------------------------------------------------------------- | | currency\_code | string | Three-character ISO 4217 currency code | | balance | string | Current account balance | | available\_balance | string | Available balance for use in checking and savings asset accounts, `PENDING` transactions may not reflect available balance | | credit\_limit | string | Credit limit associated with account | #### Transactions object The values for the transactions object are in the table below. | Attribute | Type | Description | | :----------------------- | :--------------- | :--------------------------------------------------------------------- | | id | string | Unique identifier of transaction | | external\_id | string | External system transaction identifier | | amount | string | Monetary amount of transaction | | currency\_code | string | Three-character ISO 4217 currency code | | check\_number | string | Check number for transaction | | categories | array of strings | List of categories assigned to this transaction | | description | string | Human-readable transaction description | | status | string | Status of transaction: `POSTED`, `PENDING`, `AUTHORIZATION`, or `MEMO` | | type | string | Type of transaction: `CREDIT`, `DEBIT`, or `MEMO` | | posted\_at | date-time | Timestamp when transaction was posted | | transacted\_at | date-time | Timestamp when transaction took place | | merchant\_name | string | Merchant name extracted from the transaction description | | merchant\_category\_code | int32 | ISO 18245 category code for transaction | | ending\_daily\_balance | number | Daily ending balance for transaction | | is\_direct\_deposit | boolean | Whether transaction is direct deposit | | is\_subscription | boolean | Whether transaction is subscription | #### Owners object The values in this table are for the address object of the company. | Attribute | Type | Description | | :------------- | :----- | :--------------------------------------------------------------- | | id | string | ID of owner | | full\_name | string | Full name | | email | string | Email address | | phone | string | Phone number | | address | object | Address object with street, city, state, zip, and country fields | | relation\_type | string | Relationship type for account owner (see below) | ##### Relation types The table below contains valid relation types for account owners. | Relation Type | Description | | :------------------- | :----------------------------------------- | | PRIMARY | Primary account holder | | BUSINESS | Business account relationship | | JOINT | Joint account holder | | SECONDARY | Secondary account holder | | AUTHORIZED\_USER | Authorized user on the account | | FOR\_BENEFIT\_OF | Account held for benefit of another person | | ACCOUNT\_BENEFICIARY | Beneficiary of the account | | CUSTODIAN | Custodian of the account | | OTHER | Other relationship to the account | ## Account types and subtypes **Parent types:** | Type | Description | | ------------------------- | --------------------------------------- | | `ANY` | Not provided by data partner or invalid | | `CHECKING` | Checking account | | `SAVINGS` | Savings account | | `LOAN` | Loan account | | `CREDIT_CARD` | Credit card | | `INVESTMENT` | Investment account | | `LINE_OF_CREDIT` | Line of credit | | `MORTGAGE` | Mortgage | | `PROPERTY` | Property | | `CASH` | Cash account | | `INSURANCE` | Insurance | | `PREPAID` | Prepaid account | | `CHECKING_LINE_OF_CREDIT` | Checking with overdraft line | **Subtypes by parent:** | Subtype | Parent Type | | ------------------------------------------- | ----------- | | `MONEY_MARKET` | SAVINGS | | `CERTIFICATE_OF_DEPOSIT` | SAVINGS | | `AUTO` | LOAN | | `STUDENT` | LOAN | | `SMALL_BUSINESS` | LOAN | | `PERSONAL` | LOAN | | `PERSONAL_WITH_COLLATERAL` | LOAN | | `HOME_EQUITY` | LOAN | | `BOAT` | LOAN | | `POWERSPORTS` | LOAN | | `RV` | LOAN | | `HELOC` | LOAN | | `PLAN_401_K` | INVESTMENT | | `PLAN_403_B` | INVESTMENT | | `PLAN_529` | INVESTMENT | | `IRA` | INVESTMENT | | `ROLLOVER_IRA` | INVESTMENT | | `ROTH_IRA` | INVESTMENT | | `TAXABLE` | INVESTMENT | | `NON_TAXABLE` | INVESTMENT | | `BROKERAGE` | INVESTMENT | | `TRUST` | INVESTMENT | | `UNIFORM_GIFTS_TO_MINORS_ACT` | INVESTMENT | | `PLAN_457` | INVESTMENT | | `PENSION` | INVESTMENT | | `EMPLOYEE_STOCK_OWNERSHIP_PLAN` | INVESTMENT | | `SIMPLIFIED_EMPLOYEE_PENSION` | INVESTMENT | | `SIMPLE_IRA` | INVESTMENT | | `PLAN_ROTH_401_K` | INVESTMENT | | `FIXED_ANNUITY` | INVESTMENT | | `VARIABLE_ANNUITY` | INVESTMENT | | `HSA` | INVESTMENT | | `TAX_FREE_SAVINGS_ACCOUNT` | INVESTMENT | | `INDIVIDUAL` | INVESTMENT | | `REGISTERED_RETIREMENT_INCOME_FUND` | INVESTMENT | | `CASH_MANAGEMENT_ACCOUNT` | INVESTMENT | | `EMPLOYEE_STOCK_PURCHASE_PLAN` | INVESTMENT | | `REGISTERED_EDUCATION_SAVINGS_PLAN` | INVESTMENT | | `PROFIT_SHARING_PLAN` | INVESTMENT | | `UNIFORM_TRANSFER_TO_MINORS_ACT` | INVESTMENT | | `PLAN_401_A` | INVESTMENT | | `SARSEP_IRA` | INVESTMENT | | `FIXED_ANNUITY_TRADITIONAL_IRA` | INVESTMENT | | `VARIABLE_ANNUITY_TRADITIONAL_IRA` | INVESTMENT | | `SEPP_IRA` | INVESTMENT | | `INHERITED_TRADITIONAL_IRA` | INVESTMENT | | `FIXED_ANNUITY_ROTH_IRA` | INVESTMENT | | `VARIABLE_ANNUITY_ROTH_IRA` | INVESTMENT | | `INHERITED_ROTH_IRA` | INVESTMENT | | `COVERDELL` | INVESTMENT | | `ADVISORY_ACCOUNT` | INVESTMENT | | `BROKERAGE_MARGIN` | INVESTMENT | | `CHARITABLE_GIFT_ACCOUNT` | INVESTMENT | | `CHURCH_ACCOUNT` | INVESTMENT | | `CONSERVATORSHIP` | INVESTMENT | | `CUSTODIAL` | INVESTMENT | | `DEFINED_BENEFIT_PLAN` | INVESTMENT | | `DEFINED_CONTRIBUTION_PLAN` | INVESTMENT | | `EDUCATIONAL` | INVESTMENT | | `ESTATE` | INVESTMENT | | `EXECUTOR` | INVESTMENT | | `GROUP_RETIREMENT_SAVINGS_PLAN` | INVESTMENT | | `GUARANTEED_INVESTMENT_CERTIFICATE` | INVESTMENT | | `HRA` | INVESTMENT | | `INDEXED_ANNUITY` | INVESTMENT | | `INVESTMENT_CLUB` | INVESTMENT | | `IRREVOCABLE_TRUST` | INVESTMENT | | `JOINT_TENANTS_BY_ENTIRITY` | INVESTMENT | | `JOINT_TENANTS_COMMUNITY_PROPERTY` | INVESTMENT | | `JOINT_TENANTS_IN_COMMON` | INVESTMENT | | `JOINT_TENANTS_WITH_RIGHTS_OF_SURVIVORSHIP` | INVESTMENT | | `KEOUGH_PLAN` | INVESTMENT | | `LIFE_INCOME_FUND` | INVESTMENT | | `LIVING_TRUST` | INVESTMENT | | `LOCKED_IN_RETIREMENT_ACCOUNT` | INVESTMENT | | `LOCKED_IN_RETIREMENT_INVESTMENT_FUND` | INVESTMENT | | `LOCKED_IN_RETIREMENT_SAVINGS_ACCOUNT` | INVESTMENT | | `MONEY_PURCHASE_PLAN` | INVESTMENT | | `PARTNERSHIP` | INVESTMENT | | `PLAN_409_A` | INVESTMENT | | `PLAN_ROTH_403_B` | INVESTMENT | | `REGISTERED_DISABILITY_SAVINGS_PLAN` | INVESTMENT | | `REGISTERED_LOCKED_IN_SAVINGS_PLAN` | INVESTMENT | | `REGISTERED_PENSION_PLAN` | INVESTMENT | | `REGISTERED_RETIREMENT_SAVINGS_PLAN` | INVESTMENT | | `REVOCABLE_TRUST` | INVESTMENT | | `ROTH_CONVERSION` | INVESTMENT | | `SOLE_PROPRIETORSHIP` | INVESTMENT | | `SPOUSAL_IRA` | INVESTMENT | | `SPOUSAL_ROTH_IRA` | INVESTMENT | | `TESTAMENTARY_TRUST` | INVESTMENT | | `THRIFT_SAVINGS_PLAN` | INVESTMENT | | `INHERITED_ANNUITY` | INVESTMENT | | `CORPORATE_ACCOUNT` | INVESTMENT | | `LIMITED_LIABILITY_ACCOUNT` | INVESTMENT | | `VEHICLE_INSURANCE` | INSURANCE | | `DISABILITY` | INSURANCE | | `HEALTH` | INSURANCE | | `LONG_TERM_CARE` | INSURANCE | | `PROPERTY_AND_CASUALTY` | INSURANCE | | `UNIVERSAL_LIFE` | INSURANCE | | `TERM_LIFE` | INSURANCE | | `WHOLE_LIFE` | INSURANCE | | `ACCIDENTAL_DEATH_AND_DISMEMBERMENT` | INSURANCE | | `VARIABLE_UNIVERSAL_LIFE` | INSURANCE | #### Summary object Information in the table below are for the summary object. | Attribute | Type | Description | | :------------- | :----- | :------------------------------------- | | avg\_30 | string | Average balance for 30 days | | avg\_60 | string | Average balance for 60 days | | avg\_90 | string | Average balance for 90 days | | currency\_code | string | Three-character ISO 4217 currency code | # Endpoints Use the endpoints below to manage user-level asset reports. * [Create an assets report](/api-reference/user-asset-verification-reports/assets-report-create) * [Retrieve an assets report](/api-reference/user-asset-verification-reports/assets-report-retrieve) # Example response The JSON below is a sample response for the endpoint. ```json theme={null} { "report_id": "7d4fcb86b81a4880955beea558092391", "created_at": "2022-05-04T11:30:00Z", "completed_at": "2022-05-04T12:00:00Z", "days_requested": 60, "as_of_date": "2022-05-01", "large_deposit_threshold": 500, "is_voe": true, "borrower": { "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6", "external_user_id": "12345", "first_name": "John", "last_name": "Doe", "email": "john.doe@example.com", "phone": "+14155554193", "ssn": "222233333", "created_at": "2022-05-04T11:30:00Z", "updated_at": "2022-05-04T12:00:00Z" }, "links": [ { "link_id": "150491a20bdb4292bb2a2ad8554fecba", "tracking_info": "string", "provider": "string", "provider_name": "string", "accounts": [ { "id": "4d601895417c46ec99633978db12a866", "created_at": "2022-05-04T11:30:00Z", "updated_at": "2022-05-04T12:00:00Z", "type": "string", "subtype": "string", "mask": "string", "routing_number": "55999876", "nickname": "string", "days_available": 0, "balance_as_of": "2025-05-04T12:00:00Z", "balances": { "currency_code": "string", "balance": "string", "available_balance": "string", "credit_limit": "string" }, "transactions": [ { "id": "7d4fcb86b81a4880955beea558092391", "external_id": "string", "amount": "string", "currency_code": "string", "check_number": "string", "categories": [ "string" ], "description": "string", "status": "POSTED", "type": "DEBIT", "posted_at": "2022-05-05T15:30:00Z", "transacted_at": "2022-05-04T12:00:00Z", "merchant_name": "Starbucks", "merchant_category_code": 5967, "ending_daily_balance": 0, "is_direct_deposit": true, "is_subscription": true } ], "owners": [ { "id": "2b623fa2fa9e49cea17d9692caa884c5", "full_name": "John Doe", "email": "john.doe@example.com", "phone": "14155554193", "address": { "street": "1 Morgan Ave", "city": "Los Angeles", "state": "CA", "zip": "90210", "country": "US" }, "relation_type": "PRIMARY" } ], "summary": { "avg_30": "string", "avg_60": "string", "avg_90": "string", "currency_code": "string", "balance": "string" }, "same_owner_as_requested": true, "direct_deposit_from_employer": true, "nsf": 0 } ] } ], "summary": { "avg_30": "string", "avg_60": "string", "avg_90": "string", "currency_code": "string", "balance": "string" } } ```