Truework operates a unified income and employment verification platform for mortgage lenders, credit unions, and fintechs. The Truework API orchestrates six verification methods — Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials, Smart Outreach, and Document Upload — behind a single REST surface (api.truework.com), asynchronous webhooks, and the Truework.js / Truework Direct widget for consumer-permissioned verifications. The platform claims coverage of more than 97% of U.S. workers and 75% completion rates versus a ~48% industry average.
URL: Visit APIs.json
Run: Capabilities Using Naftiko
- Verifications, Income Verification, Employment Verification, VOIE, Mortgage, Lending, Credit Unions, Identity, KYC, Fintech
- Created: 2026-05-24
- Modified: 2026-05-24
| Environment | Base URL | Key Prefix |
|---|---|---|
| Production | https://api.truework.com |
tw_sk_ |
| Sandbox | https://api.truework-sandbox.com |
tw_sk_test_ |
| Truework.js | https://js.truework.com/v1 |
tw_pk_ / tw_pk_test_ |
Orders, reports, and order events. Submit a VOIE order against a known target employer, run a synchronous employer search, kick off a Truework Direct borrower-driven verification, retrieve reports, list and cancel orders, and replay order event logs.
Human URL: https://www.truework.com/docs/api-reference
- Documentation
- API Version 2023-10-30
- OpenAPI
- JSON Schema — Order
- JSON Schema — Report
- JSON-LD
- Naftiko Capability — Orders
- Naftiko Capability — Reports
Public beta surface for low-latency knockout decisioning against a borrower's verified income and employment.
Public beta surface for managing tenant-scoped configuration properties that govern verification behavior across the account.
order.completed and verification_request.state.change events authenticated via the X-Truework-Token header. Up to 10 destinations per account; 48-hour retry on failure.
Client-side JavaScript library loaded from https://js.truework.com/v1 that powers the Truework Direct borrower-driven verification widget.
Bearer-token API keys generated in the developer settings:
- Production secret keys are prefixed
tw_sk_. - Sandbox secret keys are prefixed
tw_sk_test_. - Publishable keys for Truework.js use
tw_pk_/tw_pk_test_.
Version selection uses the standard HTTP Accept header (Accept: application/json; version=2023-10-30). Downgrading below an API key's pinned version returns HTTP 406.
- 10 requests per second per source IP
- 10 requests per second per account
- HTTP 429 on overage; exponential backoff recommended
- 10 webhook destinations per account
- Custom limits via
implementations@truework.com
See rate-limits/truework-rate-limits.yml.
Truework sells through Sales/Demo motions; per-unit verification pricing is contract-driven and not published publicly. The captured commercial surface is in plans/truework-plans-pricing.yml and the FOCUS-aligned billing surface in finops/truework-finops.yml.
- Status Page
- Help Center
- Implementations:
implementations@truework.com
- Kin Lane —
info@apievangelist.com