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Net Worth Verification

Confirm the wealth.
Skip the back-and-forth.

Verified asset, liability, and income analysis sourced directly from documents and financial accounts. The proof of funds your accredited investor flow has been waiting for.

250+

Banks Supported

2-3

Minute Setup

Book a Demo
Net Worth Verification verification
Verified Financial Data

How It Works

Direct bank connections and AI-powered financial analysis

Automatic Bank Statement Retrieval

Applicants consent and securely connect their bank accounts through our portal. We sync directly with their financial institution - Chase, Bank of America, Wells Fargo, credit unions, and 250+ others - to retrieve 3-12 months of authentic transaction data. No more uploaded PDFs. No fake statements. Just verified data from the source.

AI-Powered Financial Analysis

Our AI analyzes transaction data to assess real financial capacity. We identify salary deposits, freelance payments, and investment income. Detect income irregularities, spending patterns, and cash flow problems. Calculate debt-to-income ratios and financial health scores automatically.

Bank-Level Security

OAuth 2.0 authentication and bank-level encryption. We never store banking credentials. Applicants can revoke access anytime. Connections are read-only - we can't initiate transactions. SOC 2 Type II compliant.

Comprehensive Financial Intelligence

What Our AI Analyzes

Automatic assessment of income, expenses, and financial health from transaction data

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Income Verification

Identify salary deposits, freelance payments, investment income, and all income sources. Calculate actual monthly income from transaction patterns - not self-reported claims.

Income Consistency

Detect irregular income, one-time windfalls, and unstable employment. Consistent bi-weekly deposits indicate stable employment; sporadic deposits suggest temporary income.

Expense Analysis

Track spending on rent/mortgage, utilities, debt payments, subscriptions, and discretionary expenses. Calculate true disposable income after obligations.

Cash Flow Assessment

Monitor account balances over time, overdraft frequency, negative balance periods, and paycheck-to-paycheck patterns. Strong cash flow means healthy finances.

Debt Service Calculation

Identify loan payments, credit card payments, and debt obligations from transaction data. Calculate debt-to-income ratios automatically.

Financial Red Flags

Detect overdrafts, returned payments, garnishments, collections activity, gambling transactions, and unusual cash withdrawals that indicate financial problems.

Why Financial Verification Outperforms Traditional Methods

Verified Data vs Self-Reported Claims

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Pay Stubs Are Easily Forged

  • Creating fake pay stubs takes minutes and looks authentic
  • Bank transactions from verified financial institutions can't be faked

Self-Reported Income Is Unreliable

  • Applicants round up, include one-time bonuses as regular income, or claim income that doesn't exist
  • Transaction data reveals actual deposits

Credit Reports Show Debt, Not Income

  • Credit reports show what you owe but not what you earn
  • Financial verification shows both - giving complete financial pictures

Bank Statements Can Be Doctored

  • Uploaded PDFs can be altered, transactions deleted, or fabricated
  • Direct bank connections eliminate document fraud

AI Catches What Humans Miss

  • Manual review misses patterns
  • AI detects income irregularities, spending red flags, and cash flow problems across thousands of transactions instantly

No Manual Data Entry

  • Automatic retrieval eliminates human error
  • Data flows directly from banks to reports
  • Fast, accurate, auditable
Industry Applications

Use Cases Across Lending & Screening

Financial verification strengthens decision-making across industries

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Tenant Screening

Verify rental applicants actually earn what they claim and can afford rent. Analyze rent-to-income ratios using real income data. Detect financial stress patterns.

Mortgage Lending

Automated income verification satisfies QM rules. Verify employment income, self-employment earnings, and non-W2 income sources directly from bank data.

Auto Financing

Quickly verify buyer income capacity for auto loans and leases. Reduce stated income fraud and improve approval accuracy.

Personal Lending

Assess repayment capacity for personal loans, lines of credit, and consumer financing. Reduce default rates by identifying financially stressed borrowers.

Small Business Lending

Verify business owner income, business account cash flow, and revenue patterns for small business loans. See real business performance.

Income-Based Programs

Verify income eligibility for affordable housing, assistance programs, and income-restricted offerings using authenticated financial data.

Applicant Experience

User-friendly portal with secure bank connections
Select Bank

Choose from 250+ supported financial institutions

Secure Login

Log in through secure bank portal (OAuth verified)

Authorize Access

Grant read-only access to bank statements

Auto-Complete

Verification completes automatically in seconds

Choose Your Verification Approach

Direct Bank Connection vs PDF Upload

Most secure or flexible option for your workflow

Direct Bank Connection

  • Real-time bank data retrieval

  • Impossible to forge or alter

  • 3-12 months of transaction history

  • Applicant controls access revocation

  • Fastest verification process

  • AI analysis of live data

PDF Upload Alternative

  • For banks not in our network

  • Applicant provides statements

  • AI analysis still available

  • Documents can be altered

  • Slower manual review needed

  • Good backup option

Simple & Fast

The Applicant Portal

2-3 minute setup with no documents to scan or upload

User-Friendly Interface

Intuitive portal guides applicants through bank connection. Simple steps with clear explanations.

2-3 Minute Setup

No uploading documents. No scanning statements. No manual data entry. Just secure bank connection.

Full Control

Applicants log in directly to their bank. We never see their credentials. They control access and can revoke anytime.

Trusted & Certified

Built to meet the world's most demanding security and privacy standards.

SOC 2 Type II
SOC 2 Type II

Audited security controls for data protection

GDPR Compliant
GDPR Compliant

Full compliance with EU data privacy regulations

ISO 27001
ISO 27001

International standard for information security

DIACC Member
DIACC Member

Digital ID & Authentication Council of Canada

Developer SDK

Ship Verification in Hours, Not Weeks

Our SDK gives you pre-built UI components, server-side libraries, and a sandbox environment so you can go from zero to live verification in a single sprint.

Read the DocsGet API Keys
verification.ts
import { DeepIDV } from '@deepidv/sdk';

const client = new DeepIDV({
  apiKey: process.env.DEEPIDV_API_KEY,
});

const verification = await client.verify({
  type: 'identity',
  checks: ['id-document', 'liveness', 'face-match'],
  webhookUrl: 'https://yourapp.com/webhooks',
});

// verification.url → send to your user
// verification.id → track the session

Client SDKs

Native SDKs for iOS, Android, and Web with drop-in UI components for ID capture, liveness, and document upload.

Server SDKs

Node.js, Python, and Go libraries to manage verifications, retrieve results, and configure workflows programmatically.

Sandbox Environment

Full-featured test environment with simulated ID documents, mock biometrics, and instant webhook delivery for rapid development.

Modular Architecture

Pick only the modules you need — ID verification, liveness, e-signatures, document management — and compose custom flows.

Verify Wealth Instantly

Experience the Difference

See how deepidv financial verification can protect your lending decisions - it takes 60 seconds.

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Frequently asked questions

Applicants consent and securely log in through our portal using their bank's OAuth flow. We never see or store their credentials. They grant read-only access to 3-12 months of transaction data and can revoke access anytime.

We support 250+ financial institutions, including Chase, Bank of America, Wells Fargo, major credit unions, and many more. For banks not in our network, applicants can upload PDF statements as a backup.

Yes. We use OAuth 2.0 authentication and bank-level encryption. Connections are read-only — we can't initiate transactions — and we never store banking credentials. We are SOC 2 Type II compliant.

Our AI analyzes income sources, income consistency, expenses, cash flow, debt service, and financial red flags such as overdrafts, garnishments, and unusual cash withdrawals — giving you a complete financial picture from transaction data.

Setup takes applicants just 2-3 minutes. Once connected, the verification and AI analysis complete automatically in seconds.

Yes. Automated income verification satisfies QM rules and works for employment income, self-employment earnings, and non-W2 income sources directly from bank data.

Still have questions?

Our team is ready to help you get started.

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Ready to verify with confidence?

See how deepidv can transform your verification process.

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