Truv operates a platform that connects directly to payroll providers, employers, and gig platforms to supply lenders and financial decision-makers with verified income, employment, asset, and insurance information. The company covers more than 150 million Americans through connections to over 12,800 payroll providers, employers, and gig platforms, processing millions of transactions annually.
The platform addresses a structural problem in consumer lending: traditional credit scoring leaves many employed Americans without access to affordable financial products. By enabling lenders to verify income and employment data in real time, Truv aims to expand lending decisions beyond credit history alone. The company was founded in 2020 by Kirill Klokov.
Truv's technical infrastructure handles payroll integrations, financial data aggregation, and asset verification through APIs designed for seamless integration with lenders' existing systems. The platform returns verified financial data directly to consumers, giving them control over their own information rather than relying on third-party intermediaries.
