Assets Testing

Test Verification of Assets (VOA) and bank-derived income scenarios in sandbox using the credentials below. Pass product_type: assets on the bridge token or order, and search for Truv Bank OAuth or Truv Bank non-OAuth in Truv Bridge.

For additional login fields, use Phone: (111)111-1111 and Email: goodlogin@domain.com.

Quick start

Credential	Provider	What you get
`goodlogin` / `goodpassword`	Truv Bank OAuth or Truv Bank non-OAuth	Complete asset data — accounts, balances, transactions, derived income sources

For the underlying JSON shape, see the User Assets Report object. Sample response — captured from a live sandbox order. Expand a credential to see the response it returns.

goodlogin / goodpassword — full assets suborder shape

The complete assets payload a successful bank connection returns: every connected account with balances and owners, plus the bank income engine’s bank_income_sources (income classification, cadence, forecasted monthly income, and a sample of the monthly historical_summary). Captured from a live sandbox order; per-month transaction arrays are truncated for length.

{
  "id": "aab7df0b814c4b5e9f8cde4b8a9d094a",
  "product_type": "assets",
  "status": "sent",
  "link_id": "7e625245547044ff9ab460048b8096ea",
  "data_source": "financial_accounts",
  "provider": {
    "logo_url": "https://d1uvo9h6rsmxet.cloudfront.net/provider_logos/truv_bank.svg",
    "id": "truv_bank",
    "name": "Truv Bank (non-oAuth)"
  },
  "is_suspicious": false,
  "last_task_status": "done",
  "accounts": [
    {
      "id": "56140694b55c4f83ac6e8abc1148c320",
      "type": "CHECKING",
      "subtype": null,
      "mask": "0685",
      "balance": "49635.00",
      "owners": [
        {
          "full_name": "John Doe"
        }
      ]
    },
    {
      "id": "7ba7a2aa0cb843f0906865515c02dd10",
      "type": "INVESTMENT",
      "subtype": null,
      "mask": "9950",
      "balance": "1000.00",
      "owners": [
        {
          "full_name": "John Doe"
        }
      ]
    },
    {
      "id": "cc4c1b7c79c243afb2477d192dfd2ad1",
      "type": "SAVINGS",
      "subtype": null,
      "mask": "3248",
      "balance": "5000.00",
      "owners": [
        {
          "full_name": "John Doe"
        }
      ]
    }
  ],
  "bank_income_sources": [
    {
      "start_date": "2024-06-18",
      "end_date": "2026-06-17",
      "account_id": "56140694b55c4f83ac6e8abc1148c320",
      "income_description": "doordashinc",
      "income_category": "GIG_ECONOMY",
      "pay_frequency": "BW",
      "next_payment_date": "2026-06-29",
      "total_amount": "29122.79",
      "iso_currency_code": "USD",
      "transaction_count": 52,
      "historical_summary": [
        {
          "start_date": "2026-06-01",
          "end_date": "2026-06-30",
          "total_amount": "1125.28",
          "iso_currency_code": "USD",
          "transactions": [
            {
              "amount": "528.79",
              "iso_currency_code": "USD",
              "date": "2026-06-15",
              "description": "doordashinc visa direct",
              "pending": false,
              "transaction_id": "45539b6e22814796924a71a15e855f6c",
              "check_number": null
            },
            {
              "amount": "596.49",
              "iso_currency_code": "USD",
              "date": "2026-06-01",
              "description": "doordashinc visa direct",
              "pending": false,
              "transaction_id": "9c7abe1751dd426bbf109aa1c410d3cf",
              "check_number": null
            }
          ]
        },
        {
          "start_date": "2026-05-01",
          "end_date": "2026-05-31",
          "total_amount": "1085.51",
          "iso_currency_code": "USD",
          "transactions": [
            {
              "amount": "556.72",
              "iso_currency_code": "USD",
              "date": "2026-05-18",
              "description": "doordashinc visa direct",
              "pending": false,
              "transaction_id": "bbe1ad37001548d8a2f2a25c650f8e05",
              "check_number": null
            },
            {
              "amount": "528.79",
              "iso_currency_code": "USD",
              "date": "2026-05-04",
              "description": "doordashinc visa direct",
              "pending": false,
              "transaction_id": "4b7a7e2f764b4f6a86f4580ba9da273d",
              "check_number": null
            }
          ]
        },
        "...and 22 more monthly periods (omitted for brevity)"
      ],
      "historical_average_monthly_income": "1217.28",
      "historical_average_monthly_gross_income": "1217.28",
      "forecasted_average_monthly_income": "1217.28",
      "avg_deposit_amount": "556.11",
      "avg_gross_deposit_amount": "556.11",
      "employer": {
        "id": "d7e91477807442c8ac6d6a818d163ece",
        "name": "DoorDash"
      }
    }
  ]
}

Credential scenarios

Every credential here connects through Truv Bank OAuth or Truv Bank non-OAuth and returns the same shape as Quick start — the Sample responses panels show only the fields that differ. Each credential string is a stable test-case identifier you can cite in tickets.

Account types

Scenario	Credential	Account types returned
`VOA-A1`	`goodlogin.checking` / `goodpassword`	Checking
`VOA-A2`	`goodlogin.checking.savings` / `goodpassword`	Checking, Savings
`VOA-A3`	`goodlogin.card` / `goodpassword`	Checking, Savings
`VOA-A4`	`goodlogin.inv` / `goodpassword`	Investment
`VOA-A5`	`goodlogin.all` / `goodpassword`	Checking, Savings, Investment
`VOA-A6`	`sit` / `goodpassword`	Certificate of Deposit, Stocks, Bonds

Use these to validate your handling of accounts[].type and accounts[].subtype across the common shapes.

Sample responses

Returns a single Checking account.

{
  "accounts": [
    {
      "type": "CHECKING",
      "subtype": null,
      "mask": "6447",
      "balance": "16595.84"
    }
  ]
}

Returns Checking + Savings.

{
  "accounts": [
    {
      "type": "SAVINGS",
      "subtype": null,
      "mask": "5341",
      "balance": "12635.78"
    },
    {
      "type": "CHECKING",
      "subtype": null,
      "mask": "6447",
      "balance": "16595.84"
    }
  ]
}

Returns Checking + Savings.

{
  "accounts": [
    {
      "type": "SAVINGS",
      "subtype": null,
      "mask": "5341",
      "balance": "12635.78"
    },
    {
      "type": "CHECKING",
      "subtype": null,
      "mask": "6447",
      "balance": "16595.84"
    }
  ]
}

Returns an Investment account (subtype IRA) with balances populated and no transactions.

{
  "accounts": [
    {
      "type": "INVESTMENT",
      "subtype": "IRA",
      "mask": "0244",
      "balance": "10398.52"
    }
  ]
}

Returns Investment + Savings + Checking across multiple account_id values.

{
  "accounts": [
    {
      "type": "INVESTMENT",
      "subtype": "IRA",
      "mask": "0244",
      "balance": "10398.52"
    },
    {
      "type": "SAVINGS",
      "subtype": null,
      "mask": "5341",
      "balance": "12635.78"
    },
    {
      "type": "CHECKING",
      "subtype": null,
      "mask": "6447",
      "balance": "16595.84"
    }
  ]
}

Returns a Certificate of Deposit (Savings subtype CERTIFICATE_OF_DEPOSIT) and a Brokerage investment account alongside Checking.

{
  "accounts": [
    {
      "type": "INVESTMENT",
      "subtype": "BROKERAGE",
      "mask": "2422",
      "balance": "56780.00"
    },
    {
      "type": "SAVINGS",
      "subtype": "CERTIFICATE_OF_DEPOSIT",
      "mask": "2112",
      "balance": "7500.00"
    },
    {
      "type": "CHECKING",
      "subtype": null,
      "mask": "6789",
      "balance": "14500.00"
    }
  ]
}

goodlogin.all returns income sources spread across multiple account_id values (not all attributed to one account). Use this credential when you need to validate handling of the same applicant having recurring activity on more than one connected account — for example, paycheck deposit on checking + gig income on a separate savings account.

Bank income sources

Each credential drives the bank income engine’s income_category classification. Use these to validate your decisioning across the categories Truv classifies bank deposits into.

Scenario	Credential	`income_category` returned
`VOA-I1`	`goodlogin.gig` / `goodpassword`	`GIG_ECONOMY`
`VOA-I2`	`goodlogin.gov.employee` / `goodpassword`	`GOVERNMENT_EMPLOYMENT`
`VOA-I3`	`goodlogin.ewa` / `goodpassword`	`EWA_PAYROLL`
`VOA-I4`	`goodlogin.retirement` / `goodpassword`	`RETIREMENT`
`VOA-I5`	`goodlogin.rental` / `goodpassword`	`RENTAL`
`VOA-I6`	`goodlogin.unemployment` / `goodpassword`	`UNEMPLOYMENT`
`VOA-I7`	`goodlogin.gov.benefits` / `goodpassword`	`GOVERNMENT_BENEFITS`
`VOA-I8`	`goodlogin.benefits` / `goodpassword`	`PRIVATE_BENEFITS`
`VOA-I9`	`goodlogin.tax.credits` / `goodpassword`	`PAYCHECK`
`VOA-I10`	`goodlogin.interest` / `goodpassword`	`PAYCHECK`

Sample responses

Bank income classified as GIG_ECONOMY (DoorDash deposits).

{
  "bank_income_sources": [
    {
      "income_category": "GIG_ECONOMY",
      "income_description": "DoorDash, Inc.",
      "pay_frequency": "SM",
      "total_amount": "17436.56",
      "transaction_count": 34,
      "next_payment_date": "2026-07-01",
      "historical_average_monthly_income": "1025.68",
      "forecasted_average_monthly_income": "1025.68",
      "avg_deposit_amount": "512.84",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "1025.68",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "512.84",
            "iso_currency_code": "USD",
            "date": "2026-06-15",
            "description": "DoorDash, Inc.   DES:DoorDash,  ID:XXXXXXXXXX           INDN:XXXXXXXXXX         CO ID:XXXXXXXXXX CCD",
            "pending": false,
            "transaction_id": "0615692c9b60429c9a8ee019115b17ab",
            "check_number": null
          },
          {
            "amount": "512.84",
            "iso_currency_code": "USD",
            "date": "2026-06-01",
            "description": "DoorDash, Inc.   DES:DoorDash,  ID:XXXXXXXXXX           INDN:XXXXXXXXXX         CO ID:XXXXXXXXXX CCD",
            "pending": false,
            "transaction_id": "3daa89b553df4a0f9c0081fd4b46af08",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Bank income classified as GOVERNMENT_EMPLOYMENT.

{
  "bank_income_sources": [
    {
      "income_category": "GOVERNMENT_EMPLOYMENT",
      "income_description": "U.S. Department Of The Treasury",
      "pay_frequency": null,
      "total_amount": "234169.38",
      "transaction_count": 53,
      "next_payment_date": null,
      "historical_average_monthly_income": "9585.64",
      "forecasted_average_monthly_income": null,
      "avg_deposit_amount": "4747.50",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "5393.77",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "5393.77",
            "iso_currency_code": "USD",
            "date": "2026-06-02",
            "description": "Salary/Regular Income from U.S. Department Of The Treasury",
            "pending": false,
            "transaction_id": "25fecd1582ec4dab85a83e5915b95958",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Returns EWA_PAYROLL (earned wage access) alongside a PAYCHECK source.

{
  "bank_income_sources": [
    {
      "income_category": "EWA_PAYROLL",
      "income_description": "PAYACTIV JOHN DOE",
      "pay_frequency": null,
      "total_amount": "11126.00",
      "transaction_count": 31,
      "next_payment_date": null,
      "historical_average_monthly_income": "1022.50",
      "forecasted_average_monthly_income": null,
      "avg_deposit_amount": "433.54",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-03-01",
        "end_date": "2026-03-31",
        "total_amount": "676.00",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "211.00",
            "iso_currency_code": "USD",
            "date": "2026-03-16",
            "description": "UKG26322 PAYACTIV 8328 JOHN DOE ACH CREDIT",
            "pending": false,
            "transaction_id": "8a7d14367e3d4b9d9c52fdaa6471776a",
            "check_number": null
          },
          {
            "amount": "465.00",
            "iso_currency_code": "USD",
            "date": "2026-03-09",
            "description": "UKG26244 PAYACTIV 0667 JOHN DOE ACH CREDIT",
            "pending": false,
            "transaction_id": "2accd056c1bc46febf18d60397415629",
            "check_number": null
          }
        ]
      }
    },
    {
      "income_category": "PAYCHECK",
      "income_description": "Home Depot Payroll",
      "pay_frequency": "BW",
      "total_amount": "69047.68",
      "transaction_count": 52,
      "next_payment_date": "2026-06-29",
      "historical_average_monthly_income": "2886.61",
      "forecasted_average_monthly_income": "2886.61",
      "avg_deposit_amount": "1327.84",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "2655.68",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-15",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "cd1c90f41e104c67b23adff277ade255",
            "check_number": null
          },
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-01",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "acfe1ca8f11241a8951a24612eb78460",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Bank income classified as RETIREMENT.

{
  "bank_income_sources": [
    {
      "income_category": "RETIREMENT",
      "income_description": "OHIO PERS RETIREMENT",
      "pay_frequency": "M",
      "total_amount": "91529.03",
      "transaction_count": 23,
      "next_payment_date": "2026-06-01",
      "historical_average_monthly_income": "3979.52",
      "forecasted_average_monthly_income": "3979.52",
      "avg_deposit_amount": "4051.00",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-04-01",
        "end_date": "2026-04-30",
        "total_amount": "4108.61",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "4108.61",
            "iso_currency_code": "USD",
            "date": "2026-04-30",
            "description": "OHIO PERS RETIREMENT PPD ID: 1110111111",
            "pending": false,
            "transaction_id": "8b82b8b53d8540168662e78b2bee70b7",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Returns a RENTAL source alongside a PAYCHECK source.

{
  "bank_income_sources": [
    {
      "income_category": "RENTAL",
      "income_description": "AIRBNB",
      "pay_frequency": "SM",
      "total_amount": "54687.33",
      "transaction_count": 29,
      "next_payment_date": "2026-07-01",
      "historical_average_monthly_income": "3771.54",
      "forecasted_average_monthly_income": "3771.54",
      "avg_deposit_amount": "1885.77",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "3771.54",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "1885.77",
            "iso_currency_code": "USD",
            "date": "2026-06-15",
            "description": "AIRBNB 4977      DES:AIRBNB     ID:XXXXXXXXXX           INDN:XXXXXXXXXX            CO ID:XXXXXXXXXX PPD           PMT INFO:TRN*1*G-XXXXXXXXXXXXX",
            "pending": false,
            "transaction_id": "466ba8f84ad4465daa14e52c8d921900",
            "check_number": null
          },
          {
            "amount": "1885.77",
            "iso_currency_code": "USD",
            "date": "2026-06-01",
            "description": "AIRBNB 4977      DES:AIRBNB     ID:XXXXXXXXXX           INDN:XXXXXXXXXX            CO ID:XXXXXXXXXX PPD           PMT INFO:TRN*1*G-XXXXXXXXXXXXX",
            "pending": false,
            "transaction_id": "6bacc3d5b5714fd49e8720e0fa25d603",
            "check_number": null
          }
        ]
      }
    },
    {
      "income_category": "PAYCHECK",
      "income_description": "Home Depot Payroll",
      "pay_frequency": "BW",
      "total_amount": "69047.68",
      "transaction_count": 52,
      "next_payment_date": "2026-06-29",
      "historical_average_monthly_income": "2886.61",
      "forecasted_average_monthly_income": "2886.61",
      "avg_deposit_amount": "1327.84",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "2655.68",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-15",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "e80b93c972aa4bef984eded598148a9e",
            "check_number": null
          },
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-01",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "ea17a96d5b1747aa94d8c4b6d0090735",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Bank income classified as UNEMPLOYMENT.

{
  "bank_income_sources": [
    {
      "income_category": "UNEMPLOYMENT",
      "income_description": "MA DUA MA UI TAX",
      "pay_frequency": null,
      "total_amount": "36039.00",
      "transaction_count": 41,
      "next_payment_date": null,
      "historical_average_monthly_income": "2637.00",
      "forecasted_average_monthly_income": null,
      "avg_deposit_amount": "879.00",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "1758.00",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "879.00",
            "iso_currency_code": "USD",
            "date": "2026-06-11",
            "description": "MA DUA MA UI TAX",
            "pending": false,
            "transaction_id": "9d95978fffbd477897d74a5109acbc07",
            "check_number": null
          },
          {
            "amount": "879.00",
            "iso_currency_code": "USD",
            "date": "2026-06-06",
            "description": "MA DUA MA UI TAX",
            "pending": false,
            "transaction_id": "6d63ecaa25ec464ca3dd4da49509219d",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Bank income classified as GOVERNMENT_BENEFITS.

{
  "bank_income_sources": [
    {
      "income_category": "GOVERNMENT_BENEFITS",
      "income_description": "Ssi Treas 310",
      "pay_frequency": "M",
      "total_amount": "18373.00",
      "transaction_count": 19,
      "next_payment_date": "2026-06-30",
      "historical_average_monthly_income": "967.00",
      "forecasted_average_monthly_income": "967.00",
      "avg_deposit_amount": "967.00",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-05-01",
        "end_date": "2026-05-31",
        "total_amount": "967.00",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "967.00",
            "iso_currency_code": "USD",
            "date": "2026-05-25",
            "description": "Ssi Treas 310, Xxsupp Sec",
            "pending": false,
            "transaction_id": "a98d8c4fdc4840a6b8f97fa38e745948",
            "check_number": null
          }
        ]
      }
    }
  ]
}

Bank income classified as PRIVATE_BENEFITS.

{
  "bank_income_sources": [
    {
      "income_category": "PRIVATE_BENEFITS",
      "income_description": "WORKERS COMP PAYABLES",
      "pay_frequency": "SM",
      "total_amount": "18720.72",
      "transaction_count": 27,
      "next_payment_date": "2026-07-01",
      "historical_average_monthly_income": "1386.72",
      "forecasted_average_monthly_income": "1386.72",
      "avg_deposit_amount": "693.36",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "693.36",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "693.36",
            "iso_currency_code": "USD",
            "date": "2026-06-05",
            "description": "WORKERS COMP     PAYABLES   010111 1011111         DOE, JOHN",
            "pending": false,
            "transaction_id": "106ebf3600fd4f1cbd66abeaae918354",
            "check_number": null
          }
        ]
      }
    }
  ]
}

The detected income source classifies as PAYCHECK.

{
  "bank_income_sources": [
    {
      "income_category": "PAYCHECK",
      "income_description": "Home Depot Payroll",
      "pay_frequency": "BW",
      "total_amount": "69047.68",
      "transaction_count": 52,
      "next_payment_date": "2026-06-29",
      "historical_average_monthly_income": "2886.61",
      "forecasted_average_monthly_income": "2886.61",
      "avg_deposit_amount": "1327.84",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "2655.68",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-15",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "2d7832e4d663445cb4b93dbed6ee8316",
            "check_number": null
          },
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-01",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "aa5557d4a3ab4274a07fdd3d45b87d22",
            "check_number": null
          }
        ]
      }
    }
  ]
}

The detected income source classifies as PAYCHECK.

{
  "bank_income_sources": [
    {
      "income_category": "PAYCHECK",
      "income_description": "Home Depot Payroll",
      "pay_frequency": "BW",
      "total_amount": "69047.68",
      "transaction_count": 52,
      "next_payment_date": "2026-06-29",
      "historical_average_monthly_income": "2886.61",
      "forecasted_average_monthly_income": "2886.61",
      "avg_deposit_amount": "1327.84",
      "iso_currency_code": "USD",
      "historical_summary_sample": {
        "start_date": "2026-06-01",
        "end_date": "2026-06-30",
        "total_amount": "2655.68",
        "iso_currency_code": "USD",
        "transactions": [
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-15",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "8cf18029ee824f7fa2c9ee392efe442a",
            "check_number": null
          },
          {
            "amount": "1327.84",
            "iso_currency_code": "USD",
            "date": "2026-06-01",
            "description": "Home Depot Payroll",
            "pending": false,
            "transaction_id": "a1cffb149686473fa2b80b59a04c8811",
            "check_number": null
          }
        ]
      }
    }
  ]
}

The full income_category enum includes PAYCHECK, GOVERNMENT_EMPLOYMENT, EWA_PAYROLL, GIG_ECONOMY, RETIREMENT, RENTAL, UNEMPLOYMENT, GOVERNMENT_BENEFITS, PRIVATE_BENEFITS, P2P_TRANSFER, TAX_CREDITS, CASH_OR_CHECK, INTEREST, INVESTMENT, and OTHER. If your enum validation is strict, allow all of these values.

Risk profiles

Combine the asset credential with these passwords to simulate different consumer risk profiles. Use them to test downstream decisioning that consumes Truv’s asset and bank income data.

Scenario	Credential	What it returns
`VOA-R1`	`goodlogin` / `good_asset`	30 days of data — use to test recency-based decisioning
`VOA-R2`	`goodlogin` / `low_risk`	Low-risk consumer profile
`VOA-R3`	`goodlogin` / `high_risk`	High-risk consumer profile

Sample responses

30 days (R1)
Low risk (R2)
High risk (R3)

Recency-limited profile for testing recency-based decisioning.

{
  "accounts": [
    {
      "type": "CHECKING",
      "mask": "8773",
      "balance": "2283.99"
    },
    {
      "type": "CHECKING",
      "mask": "0685",
      "balance": "5410.36"
    }
  ],
  "bank_income_sources_count": 0,
  "income_categories": []
}

Low-risk consumer profile.

{
  "accounts": [
    {
      "type": "SAVINGS",
      "mask": "0684",
      "balance": "15000.00"
    },
    {
      "type": "CHECKING",
      "mask": "0685",
      "balance": "6000.00"
    }
  ],
  "bank_income_sources_count": 2,
  "income_categories": [
    "OTHER",
    "PAYCHECK"
  ]
}

High-risk consumer profile.

{
  "accounts": [
    {
      "type": "CHECKING",
      "mask": "0685",
      "balance": "0.00"
    },
    {
      "type": "CHECKING",
      "mask": "8773",
      "balance": "0.00"
    }
  ],
  "bank_income_sources_count": 1,
  "income_categories": [
    "PAYCHECK"
  ]
}

Error scenarios

VOA shares the universal authentication-error credentials. Use these to test your error handling and retry UX.

Scenario	Credential	Task status
`VOA-X1`	`goodlogin` / `no_data`	`no_data`
`VOA-X2`	`goodlogin` / `mfa`	`mfa` → `done` (enter code `12345`)
`VOA-X3`	`error.user` / `login_error`	`login_error`
`VOA-X4`	`error.user` / `account_locked`	`account_locked`
`VOA-X5`	`error.user` / `unavailable`	`unavailable`
`VOA-X6`	`error.user` / `error`	`error`

See Task lifecycle for the full status reference.

Recurring transactions endpoint

The recurring transactions endpoint (GET /v1/users/{user_id}/transactions/recurring/) runs on top of the same assets connection — once an applicant has completed a VOA verification, you can call the endpoint to retrieve detected recurring inflows and outflows on the connected accounts.

Credential	Returns
`goodlogin` / `goodpassword`	A single recurring inflow (gig income), 53 historical transactions, one `account_id`. Suitable for basic happy-path testing.
`goodlogin.all` / `goodpassword`	Multiple recurring inflow sources distributed across multiple `account_id` values — paycheck and gig income land on different accounts. Use this when validating multi-account aggregation.

Sandbox seeds recurring inflows only. Sandbox responses populate the inflows[] array; the outflows[] array (subscriptions, recurring expenses, loan payments) returns empty across every documented login variant today. Validate your inflow-handling logic end to end in sandbox, but plan to test outflow handling against production data or a controlled test in your production environment. We’re tracking this gap internally.

The endpoint requires the is_recurring_transactions_detection_enabled UWS flag to be on for your account. If you call it and receive empty arrays for both inflows and outflows with goodlogin / goodpassword, contact support@truv.com to confirm the flag is enabled on your sandbox. For the full endpoint contract — source_id vs account_id, status semantics, historical transactions per source — see the Recurring Transactions API reference.

Accounts without transactions

Sandbox connections occasionally return bank accounts that have no transactions on them yet — a recently opened checking account, an investment account that hasn’t seen activity in the lookback window, etc. This is a valid scenario, not an error. To confirm your integration handles it: pass goodlogin.inv / goodpassword and inspect the response. The investment account is returned with balance fields populated but an empty or sparse transactions[] array. Validate that your decisioning logic treats transactions: [] as a real signal (e.g., “this account exists but has no income evidence”) rather than treating it as a failed connection.

Sample VOA reports

Truv’s VOA report format is the same whether the report is consumed by a non-GSE lender or submitted to Fannie Mae DU / Freddie Mac LPA. The PDFs linked from the GSE pages are the canonical sample VOA report references today.

Fannie Mae VOA samples

Sample VOA PDFs tied to Fannie Mae D1C borrower scenarios

Freddie Mac VOA samples

Sample VOA PDFs tied to Freddie Mac AIM borrower scenarios

Webhook events

When testing VOA end to end, your webhook endpoint receives a task-status-updated event for the financial-accounts task plus per-resource events as accounts, transactions, and bank income are extracted.

Sample webhook payload

{
  "webhook_id": "609a82aab21e4d9ba2569f35e9e8f26a",
  "event_type": "task-status-updated",
  "updated_at": "2026-04-26T13:02:20.369267+00:00",
  "task_id": "67f2924530564282bbaf6d27655e94a4",
  "link_id": "64f8e374949c4b769706028022626bf1",
  "product": "assets",
  "tracking_info": "your-applicant-id",
  "status": "done"
}

Other events you may receive during a VOA flow include bank-accounts-created, transactions-created, and (for derived bank income) updates that surface through the standard task lifecycle. See Webhook Events for the full catalog.

Next steps

Bank Aggregation

Product overview for transactions and bank income

Bank Income

Integration guide for bank-derived income

GSE Testing

AIM-VOA submission flow with Freddie Mac

Report Object

JSON schema for the VOA report

​Quick start

​Credential scenarios

​Account types

​Bank income sources

​Risk profiles

​Error scenarios

​Recurring transactions endpoint

​Accounts without transactions

​Sample VOA reports

Fannie Mae VOA samples

Freddie Mac VOA samples

​Webhook events

​Next steps

Bank Aggregation

Bank Income

GSE Testing

Report Object

Quick start

Credential scenarios

Account types

Bank income sources

Risk profiles

Error scenarios

Recurring transactions endpoint

Accounts without transactions

Sample VOA reports

Webhook events

Next steps