aid: argyle-financial name: Argyle description: >- Argyle is a consumer-permissioned employment and income data platform. The REST API and Link SDK let lenders, mortgage originators, background-check firms, gig marketplaces, and government benefits programs verify a worker's identity, employment, income, paystubs, deposits, shifts, gigs, and ratings directly from the source payroll, gig, and banking systems. Verification workflows ship as a single API surface that can be embedded through hosted Link, web/iOS/Android/React Native/Flutter SDKs, or driven entirely server side. Argyle covers approximately 90% of the U.S. workforce and is used by partners including Checkr, NFM Lending, Regional Finance, and LMCU, with loan-origination integrations into Encompass, nCino, Empower, and Byte. type: Index image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg url: https://docs.argyle.com/ created: '2026-05-25' modified: '2026-05-25' specificationVersion: '0.19' tags: - Employment Data - Income Verification - Payroll - Identity Verification - Financial Data - Banking - Gig Economy - Mortgage - Lending - Background Checks apis: - aid: argyle-financial:argyle-users-api name: Argyle Users API description: >- Manages the lifecycle of Argyle users — the consumers who connect their payroll, gig, or banking accounts. Supports creation, retrieval, update, deletion, and listing of users, plus generation of short-lived user tokens for initializing the Link SDK in browser, mobile, or hosted flows. humanURL: https://docs.argyle.com/api-reference/users baseURL: https://api.argyle.com/v2 tags: - Users - User Tokens - Link properties: - type: Documentation url: https://docs.argyle.com/api-reference/users - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-users-openapi.yml - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-user-tokens-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-invites-api name: Argyle Invites API description: >- Programmatic creation, listing, re-sending, and revocation of email or SMS invitations that take a consumer through a hosted Link flow. Used by lenders, background-check vendors, and benefits programs to launch consumer-permissioned verifications without embedding the SDK. humanURL: https://docs.argyle.com/api-reference/invites baseURL: https://api.argyle.com/v2 tags: - Invitations - Hosted Link - Notifications properties: - type: Documentation url: https://docs.argyle.com/api-reference/invites - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-invites-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-accounts-api name: Argyle Accounts API description: >- Represents a connection between an Argyle user and a single payroll, gig platform, or banking institution. The Accounts API lets you retrieve, list, disable updates for, or delete those connections — and is the anchor point for downstream data sets such as identities, paystubs, employments, shifts, gigs, and bank accounts. humanURL: https://docs.argyle.com/api-reference/accounts baseURL: https://api.argyle.com/v2 tags: - Accounts - Connections - Link properties: - type: Documentation url: https://docs.argyle.com/api-reference/accounts - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-accounts-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-items-api name: Argyle Items API description: >- Catalog of the employers, payroll providers, gig platforms, and financial institutions Argyle supports. Items can be retrieved or listed, filtered with item filters that constrain which sources are exposed in Link, and migrated when a consumer's account moves between platforms. humanURL: https://docs.argyle.com/api-reference/items baseURL: https://api.argyle.com/v2 tags: - Items - Employers - Payroll Providers - Filters properties: - type: Documentation url: https://docs.argyle.com/api-reference/items - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-items-openapi.yml - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-item-filters-openapi.yml - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-employer-search-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-identities-api name: Argyle Identities API description: >- Returns the worker's identity record as captured from the source payroll or gig platform — full name, addresses, contact details, employment type, tenure, and demographic data fields. Critical for KYC, mortgage borrower verification, tenant screening, and background-check use cases. humanURL: https://docs.argyle.com/api-reference/identities baseURL: https://api.argyle.com/v2 tags: - Identity - Identity Verification - KYC properties: - type: Documentation url: https://docs.argyle.com/api-reference/identities - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-identities-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-employments-api name: Argyle Employments API description: >- Returns employment records associated with a user — employer name, status (active, terminated), job title, hire date, pay cycle, and employment type. The primary data set for verification of employment (VOE) flows used by mortgage and consumer lending originators. humanURL: https://docs.argyle.com/api-reference/employments baseURL: https://api.argyle.com/v2 tags: - Employment - VOE - Verification of Employment - Lending properties: - type: Documentation url: https://docs.argyle.com/api-reference/employments - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-employments-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-paystubs-api name: Argyle Paystubs API description: >- Detailed pay statement records pulled directly from connected payroll systems: gross and net pay, earnings, deductions, taxes, period dates, and YTD totals. The core data set powering verification of income (VOI) and combined VOIE workflows. humanURL: https://docs.argyle.com/api-reference/paystubs baseURL: https://api.argyle.com/v2 tags: - Paystubs - Income - VOI - Earnings - Deductions properties: - type: Documentation url: https://docs.argyle.com/api-reference/paystubs - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-paystubs-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-payroll-documents-api name: Argyle Payroll Documents API description: >- Retrieves and lists payroll source documents — W-2s, 1099s, pay stubs, tax forms — captured directly from the payroll provider or uploaded by the consumer. Includes OCR completion and authenticity-check webhook events for document-processing workflows. humanURL: https://docs.argyle.com/api-reference/payroll-documents baseURL: https://api.argyle.com/v2 tags: - Payroll Documents - W-2 - 1099 - OCR - Document Processing properties: - type: Documentation url: https://docs.argyle.com/api-reference/payroll-documents - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-payroll-documents-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-deposit-destinations-api name: Argyle Deposit Destinations API description: >- Returns the bank accounts on file at the payroll provider where wages land — used for deposit switch flows that route a portion or all of a paycheck to a new account such as a neobank, savings vehicle, or employer-sponsored benefit. humanURL: https://docs.argyle.com/api-reference/deposit-destinations baseURL: https://api.argyle.com/v2 tags: - Deposit Switch - Direct Deposit - Bank Accounts properties: - type: Documentation url: https://docs.argyle.com/api-reference/deposit-destinations - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-deposit-destinations-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-shifts-api name: Argyle Shifts API description: >- Detailed shift-level work records for hourly workers — clock-in/out timestamps, hours worked, rate, premiums, and tips. Powers lender affordability models, scheduling analytics, and worker-finance products that need granular hourly visibility. humanURL: https://docs.argyle.com/api-reference/shifts baseURL: https://api.argyle.com/v2 tags: - Shifts - Hourly - Time Tracking properties: - type: Documentation url: https://docs.argyle.com/api-reference/shifts - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-shifts-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-gigs-api name: Argyle Gigs API description: >- Trip- and job-level records for gig workers on rideshare, delivery, freelance, and on-demand platforms. Returns gig identifiers, type, duration, pay, tips, distance, and source platform — the data set mortgage and lending platforms use to underwrite 1099 income. humanURL: https://docs.argyle.com/api-reference/gigs baseURL: https://api.argyle.com/v2 tags: - Gigs - Gig Economy - 1099 - Rideshare - Delivery properties: - type: Documentation url: https://docs.argyle.com/api-reference/gigs - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-gigs-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-vehicles-api name: Argyle Vehicles API description: >- Lists vehicles a gig worker uses on platforms such as Uber, Lyft, and delivery services — make, model, license plate, and inspection metadata. Useful for fleet, insurance, and background-check workflows. humanURL: https://docs.argyle.com/api-reference/vehicles baseURL: https://api.argyle.com/v2 tags: - Vehicles - Gig Economy - Fleet properties: - type: Documentation url: https://docs.argyle.com/api-reference/vehicles - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-vehicles-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-ratings-api name: Argyle Ratings API description: >- Performance ratings and review summaries for gig workers across their source platforms — useful for background checks, marketplace onboarding, and worker-quality scoring. humanURL: https://docs.argyle.com/api-reference/ratings baseURL: https://api.argyle.com/v2 tags: - Ratings - Gig Economy - Background Checks properties: - type: Documentation url: https://docs.argyle.com/api-reference/ratings - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-ratings-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-reports-api name: Argyle Reports API description: >- Generates and retrieves consolidated PDF/JSON reports summarizing a user's verified employment, income, paystubs, and supporting documents. Reports are the primary deliverable handed to underwriters, GSEs, and compliance reviewers — and the unit of pricing for many Argyle verification products. humanURL: https://docs.argyle.com/api-reference/reports baseURL: https://api.argyle.com/v2 tags: - Reports - VOI - VOE - Mortgage - Underwriting properties: - type: Documentation url: https://docs.argyle.com/api-reference/reports - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-reports-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-user-uploads-api name: Argyle User Uploads API description: >- Endpoints for uploading, listing, and retrieving documents the consumer attaches to their Argyle user — pay stubs, tax forms, bank statements. Triggers OCR completion and authenticity-verification webhooks that feed downstream lender workflows. humanURL: https://docs.argyle.com/api-reference/user-uploads baseURL: https://api.argyle.com/v2 tags: - Uploads - Documents - OCR - Document Authenticity properties: - type: Documentation url: https://docs.argyle.com/api-reference/user-uploads - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-user-uploads-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-user-forms-api name: Argyle User Forms API description: >- Returns user-submitted form responses gathered through Link or hosted flows — typically used when a payroll source is unavailable and the consumer manually attests to income or employment. humanURL: https://docs.argyle.com/api-reference/user-forms baseURL: https://api.argyle.com/v2 tags: - Forms - User Attestation properties: - type: Documentation url: https://docs.argyle.com/api-reference/user-forms - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-user-forms-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-verifications-api name: Argyle Verifications API description: >- The unified API surface for ordering, refreshing, updating, retrieving, and cancelling Argyle Verifications — a single product that combines payroll-direct VOI/VOE, banking (VOA/VOAI), and document-processing paths, then returns a verification record and report. Used by mortgage lenders for Fannie Mae Day 1 Certainty and Freddie Mac AIM workflows. humanURL: https://docs.argyle.com/api-reference/verifications-guide baseURL: https://api.argyle.com/v2 tags: - Verifications - VOIE - VOI - VOE - VOA - Day 1 Certainty - AIM - Mortgage properties: - type: Documentation url: https://docs.argyle.com/api-reference/verifications-guide - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-verifications-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-verifications-partners-api name: Argyle Verifications Partners API description: >- Partner-facing variant of the Verifications API used by Argyle resellers and integration partners. Adds partner-scoped user creation, verification ordering, session management, and cancellation against end-customer tenants. humanURL: https://docs.argyle.com/api-reference/verifications-partners-guide baseURL: https://api.argyle.com/v2 tags: - Verifications - Partners - Reseller - Multi-Tenant properties: - type: Documentation url: https://docs.argyle.com/api-reference/verifications-partners-guide - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-verifications-partners-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-banking-api name: Argyle Banking API description: >- Open-finance surface that pulls direct-from-bank account, balance, transaction, and institution metadata for verification of assets (VOA) and verification of assets and income (VOAI). Includes Connect URL generation, banking report generation, bank account retrieval, and financial-institution catalog endpoints. Documented in the Argyle docs under api-reference/banking-overview. humanURL: https://docs.argyle.com/api-reference/banking-overview baseURL: https://api.argyle.com/v2 tags: - Banking - Open Finance - VOA - VOAI - Bank Accounts - Institutions properties: - type: Documentation url: https://docs.argyle.com/api-reference/banking-overview contact: - FN: Argyle Support url: https://argyle.com/support - aid: argyle-financial:argyle-receipts-api name: Argyle Receipts API description: >- Returns receipts that document Argyle's billable verification events — used for reconciliation, chargeback, and FinOps reporting on the consumer side of the platform. humanURL: https://docs.argyle.com/api-reference/receipts baseURL: https://api.argyle.com/v2 tags: - Receipts - Billing - FinOps properties: - type: Documentation url: https://docs.argyle.com/api-reference/receipts - type: OpenAPI url: https://raw.githubusercontent.com/api-evangelist/argyle-financial/main/openapi/argyle-receipts-openapi.yml contact: - FN: Argyle Support url: https://argyle.com/support common: - type: LinkedIn url: https://www.linkedin.com/company/argylesystems - url: https://github.com/argyle-systems type: GitHubOrganization - url: https://www.argyle.com/ type: Website - url: https://docs.argyle.com/ type: Portal - url: https://docs.argyle.com/api-guide/overview type: Documentation - url: https://docs.argyle.com/api-guide/postman type: Postman Collection - url: https://docs.argyle.com/api-guide/webhooks type: Webhooks - url: https://docs.argyle.com/overview/sandbox-testing type: Sandbox - url: https://console.argyle.com/sign-up type: SignUp - url: https://console.argyle.com/ type: Login - url: https://docs.argyle.com/link/overview type: SDK - url: https://docs.argyle.com/link/initialization/web type: WebSDK - url: https://docs.argyle.com/link/initialization/mobile-sdks type: MobileSDK - url: https://docs.argyle.com/link/initialization/hosted-link type: HostedFlow - url: https://changelog.argyle.com/ type: ChangeLog - url: https://trustcenter.argyle.com/ type: TrustCenter - url: https://www.argyle.com/blog type: Blog - url: https://www.argyle.com/pricing type: Pricing - url: https://www.argyle.com/customers type: Customers - url: https://www.argyle.com/about type: About - url: https://www.argyle.com/careers type: Careers - url: https://www.argyle.com/contact type: Contact - url: https://www.argyle.com/legal/privacy-policy type: PrivacyPolicy - url: https://www.argyle.com/legal/terms-of-service type: TermsOfService - url: https://docs.argyle.com/api-reference/account-connection-errors type: Errors - url: https://docs.argyle.com/overview/data-security type: Security - url: https://docs.argyle.com/overview/ongoing-refresh type: Webhooks - type: Features data: - Consumer-permissioned payroll-direct VOI / VOE verifications - Combined VOIE workflow in a single API call - Direct-from-bank VOA and VOAI through the Banking API - Document processing path for W-2, 1099, and paystub uploads with OCR and authenticity checks - Fannie Mae Day 1 Certainty reps-and-warrants relief - Freddie Mac Asset and Income Modeler (AIM) eligibility - Coverage of ~90% of the U.S. workforce across payroll, gig, and banking sources - Hosted Link flow plus Web, iOS, Android, React Native, and Flutter SDKs - Shareable URLs and email/SMS invitation flows for non-embedded use - Reports endpoint that emits underwriter-ready PDF and JSON deliverables - Webhook-driven event model covering accounts, paystubs, documents, gigs, shifts, verifications - Encompass, nCino, Empower, and Byte LOS/POS plugins - Ocrolus integration for document authenticity - Console no-code tooling for flow configuration and member management - HTTP basic authentication with api_key_id / api_key_secret pairs - 50 requests-per-second documented platform rate limit - Sandbox at api-sandbox.argyle.com with synthetic payroll, gig, and banking data - Variable per-verification pricing customized by volume; vendor cites 60-80% savings vs The Work Number sources: - https://docs.argyle.com/api-guide/overview - https://docs.argyle.com/llms.txt - https://www.argyle.com/ - https://changelog.argyle.com/ updated: '2026-05-25' - type: SDK data: - iOS Link SDK - Android Link SDK - React Native Link SDK - Flutter Link SDK - Web Link SDK sources: - https://github.com/argyle-systems maintainers: - FN: Kin Lane email: kin@apievangelist.com