Verification of Assets (VOA) reports contain information from the user’s accounts. Learn more below about the data provided from reports.

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
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
links	array of objects	List of assets links, see Links object
summary	object	Balance summary information for account, see 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

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
transactions	array of objects	List of transactions for account, see Transactions object
owners	array of objects	List of owners for account, see Owners object
summary	array of objects	Balance summary information for account, see 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, either `POSTED` or `PENDING`
type	string	Type of transaction, either `CREDIT` or `DEBIT`
posted_at	date-time	Timestamp when transaction was posted
transacted_at	date-time	Timestamp when transaction took place
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

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

View more information about the available endpoints for VOA reports below.

Example response

The JSON below is a sample response for the endpoint.

{
  "report_id": "7d4fcb86b81a4880955beea558092391",
  "created_at": "2022-05-04T11:30:00Z",
  "completed_at": "2022-05-04T12:00:00Z",
  "days_requested": 60,
  "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": "[email protected]",
    "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_category_code": 0,
              "ending_daily_balance": 0,
              "is_direct_deposit": true,
              "is_subscription": true
            }
          ],
          "owners": [
            {
              "id": "2b623fa2fa9e49cea17d9692caa884c5",
              "full_name": "John Doe",
              "email": "[email protected]",
              "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"
  }
}