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Agent · Spec in review

Income & Employment Verification Agent

Verifies stated income and employment at point of sale using consumer-permissioned bank/payroll data and AI document review, so stips are cleared before contracting rather than at funding.

Full spec in reviewSemi-autonomousComplexity: Medium
The full specification - workflow, tools, guardrails, handoffs and evaluation set - is in review and will replace this page when published.

What it does

  • Ingest paystubs, bank statements and payroll data
  • Compute qualifying income and payment-to-income (PTI)
  • Detect altered or fabricated documents
  • Reconcile with stated income
  • Return clear/fail with reasons

Systems and data it works with

  • LOS (defi, MeridianLink)
  • Informed.IQ
  • Open-banking/payroll APIs (Plaid-style aggregators)
  • Dealertrack Income Verification