Truv operates a platform that connects directly to payroll providers, employers, and gig platforms to deliver verified income, employment, assets, and insurance information. The company links to over 12,800 payroll providers, employers, and gig platforms, covering more than 150 million Americans and processing millions of transactions annually.
The platform addresses a structural problem in lending and financial services: traditional income and employment verification systems are slow, expensive, and often inaccurate. This gap affects millions of Americans annually who are denied financial opportunities because existing verification methods cannot see beyond credit scores. Truv was founded in 2020 by Kirill Klokov.
By enabling direct, consumer-permissioned access to verified financial data, Truv allows lenders and financial institutions to make faster and more accurate lending decisions. The approach shifts from reliance on legacy verification methods to real-time data connectivity, reducing friction in the lending process and expanding access to credit for populations underserved by traditional systems.