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What is Truv Smart Routing?

Truv Smart Routing: Multi-Data Source Verification

Truv Smart Routing is an automated, frictionless user experience that combines multiple verification data sources to optimize the income and employment verification process.

How Smart Routing Works:

Smart Routing automatically displays the most conversion-optimized verification method for an applicant based on historical data and successful connections. The verification methods are prioritized and presented in the following order:

  1. Payroll provider: Connecting directly to the applicant's payroll system (e.g., ADP, specific employer portals).
  2. Bank connection: Linking the bank account where the applicant receives their direct deposits.
  3. Documents: Allowing the applicant to upload income documents (e.g., W-2, Paystubs, 1040).

Key Benefits of Smart Routing:

  • Higher Conversion: It strategically surfaces the high-success data source first, avoiding sources with lower success rates and eliminating the frustration of unknown authentication credentials.
  • One Vendor, Three Data Sources: It simplifies the verification process and reduces verification spend by combining payroll, bank aggregation, and document processing into a single experience, eliminating the need to manage separate vendors.
  • Ongoing Optimization: Truv continuously refines the routing logic through real-time monitoring of connections and success rates across thousands of employers, payroll providers, and financial institutions, ensuring the system improves with scale.