Atto Income Verification API
Verifies salary, benefits and recurring income streams based on bank data.
Atto’s Income Verification API enables businesses to verify an individual’s income accurately and efficiently using up to 12 months of bank transaction data. Powered by advanced transaction analysis and pattern recognition, the API identifies recurring income sources, benefit payments, and salary streams to provide a reliable view of an individual’s financial position. Designed for lenders, credit providers, insurers, rental platforms, and affordability assessment providers, the solution helps automate income verification, reduce manual reviews, and improve decision-making speed. The API returns detailed income insights including: • Estimated income values • Monthly income breakdowns • Confidence scores • Stability indicators • Number of deposits • Salary and benefit classification • Aggregated income stream summaries • Verified income status Confidence scoring is derived from several validation checks, including: • Presence of income over recent months • Income variance tolerances • Recent payment consistency • Overall income stability across the dataset Please note that prerequisite UI configuration is required before invoking an API from FICO Platform. Please see Atto Platform document under Deliverables to see integration details.
Features
Benefits
Features
Multi-Source Income Detection
Detect salaries, wages, benefits, contractor income, and recurring real income automatically.Benefits
Automated Income Screening
Reduced fraud and manual processing
Faster onboarding and lending decisions
Improved risk assessment accuracy