> ## 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.
# Assets Testing
> Sandbox credentials, account variants, and bank income source scenarios for VOA integrations
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](/api-reference/user-asset-verification-reports/object).
**Sample response** — captured from a live sandbox order. Expand a credential to see the response it returns.
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.
```json theme={null}
{
"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](#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.
Returns a single Checking account.
```json theme={null}
{
"accounts": [
{
"type": "CHECKING",
"subtype": null,
"mask": "6447",
"balance": "16595.84"
}
]
}
```
Returns Checking + Savings.
```json theme={null}
{
"accounts": [
{
"type": "SAVINGS",
"subtype": null,
"mask": "5341",
"balance": "12635.78"
},
{
"type": "CHECKING",
"subtype": null,
"mask": "6447",
"balance": "16595.84"
}
]
}
```
Returns Checking + Savings.
```json theme={null}
{
"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.
```json theme={null}
{
"accounts": [
{
"type": "INVESTMENT",
"subtype": "IRA",
"mask": "0244",
"balance": "10398.52"
}
]
}
```
Returns Investment + Savings + Checking across multiple `account_id` values.
```json theme={null}
{
"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.
```json theme={null}
{
"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` |
Bank income classified as `GIG_ECONOMY` (DoorDash deposits).
```json theme={null}
{
"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`.
```json theme={null}
{
"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.
```json theme={null}
{
"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`.
```json theme={null}
{
"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.
```json theme={null}
{
"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`.
```json theme={null}
{
"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`.
```json theme={null}
{
"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`.
```json theme={null}
{
"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`.
```json theme={null}
{
"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`.
```json theme={null}
{
"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 |
Recency-limited profile for testing recency-based decisioning.
```json theme={null}
{
"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.
```json theme={null}
{
"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.
```json theme={null}
{
"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](/api-reference/tasks/lifecycle) for the full status reference.
***
## Recurring transactions endpoint
The [recurring transactions endpoint](/api-reference/recurring-transactions/applicant-recurring-transactions) (`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](mailto: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](/api-reference/recurring-transactions/applicant-recurring-transactions).
***
## 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.
Sample VOA PDFs tied to Fannie Mae D1C borrower scenarios
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.
```json theme={null}
{
"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](/api-reference/webhook-events) for the full catalog.
***
## Next steps
Product overview for transactions and bank income
Integration guide for bank-derived income
AIM-VOA submission flow with Freddie Mac
JSON schema for the VOA report