Document Processing

Truv Document Processing is a comprehensive API solution that gives you complete programmatic control over document uploads, classification, and verification. Designed to replace manual reviews and brittle OCR solutions, this feature allows you to accept "folders of documents" directly from your users, leveraging Truv’s AI to automatically split, classify, and extract data with GSE-grade accuracy.

While direct payroll connections remain the gold standard, document upload is an essential component of a complete VOIE strategy. Truv Document Processing transforms this workflow from a slow, manual fallback into a fast, fraud-resistant, and high-confidence verification method.

Why Truv Document Processing?

Traditional document handling is often plagued by efficiency bottlenecks and fraud risks. Truv solves these core challenges by treating documents as a first-class data source, comparable to our direct integrations.

• Unified VOIE Platform: Consolidate your vendors by handling both direct payroll data and document uploads through a single platform. This simplifies your waterfall logic and ensures a consistent data structure regardless of the source.
• Proprietary Fraud Detection: We leverage our proprietary network of over 50 million verified paystubs to train our fraud detection models. This allows us to spot alterations and inconsistencies that standard tools miss, giving you the confidence that uploaded documents are genuine.
• GSE-Grade Integrity: Built with mortgage lenders in mind, our processing pipeline supports Freddie Mac’s AIM Check and Fannie Mae requirements, ensuring your document data meets the highest industry standards for income and employment verification.
• Beyond Simple OCR: We utilize state-of-the-art AI models to move beyond basic text extraction. Our system understands the context of financial documents, allowing it to accurately parse complex layouts, split multi-file uploads, and classify specific document types automatically.

Key Features

The Document Collections API provides the flexibility to build custom integrations—whether you are embedding uploads into a loan origination system (like Encompass) or building a custom consumer-facing app.

• AI-Driven Categorization & Splitting: Upload a single large PDF or a batch of mixed files. Our AI automatically validates the file types, splits combined documents into individual records, and categorizes them (e.g., identifying a W-2 inside a packet of paystubs).
• Advanced Fraud Checks: Every uploaded document undergoes rigorous fraud analysis using our proprietary data network. We provide immediate feedback on validity, flagging potential tampering or inconsistencies in paystubs and tax forms.
• Flexible "Collection" Workflows: Create a document collection in a single call or add files incrementally. This supports "save and resume" workflows and complex multi-stage applications.
• Batch Finalization: Trigger processing for an entire collection or selectively finalize specific document IDs to generate Truv Links and standardize the output data.
• Granular Status Tracking: Monitor the lifecycle of every document with detailed status updates at both the collection and individual file levels.

Supported Document Types

Truv Document Processing is purpose-built for Verification of Income and Employment (VOIE). Our AI models are currently optimized to classify, verify, and extract data from the following core document types:

• Paystubs (PAYSTUB)
• Tax Forms: W-2s (W2), 1099s (F1099), and 1040s (F1040)

Additional Classification Support The system also recognizes and supports the upload of a broader set of documents, allowing you to consolidate file management for future use cases. While currently used primarily for storage and classification, recognized types include:

• Assets & Identity: Bank Statements (BANK_STATEMENT), Driver's Licenses (DRIVER_LICENSE), Passports (PASSPORT), Green Cards (GREEN_CARD).
• Residence & Other: Utility Bills (UTILITY_BILL), Lease Agreements (LEASE_AGREEMENT), Insurance Policies (INSURANCE_HOME_POLICY, INSURANCE_AUTO_POLICY), Letters of Verification (LETTER_OF_VERIFICATION), and Volunteer Letters (VOLUNTEER_LETTER).