specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Truework
providerId: truework
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
  - Verifications
  - VOIE
  - Mortgage
  - Lending
description: >
  Plans and commercial offering for Truework. Truework does not publish per-unit verification
  pricing publicly — the company sells through Sales/Demo motions and orchestrates pricing
  across six verification methods (Instant Data, Payroll Credentials, Bank Credentials, Tax
  Credentials, Smart Outreach, Document Upload) plus LOS and POS integration packages. This
  file records the publicly-known commercial surface; specific per-verification pricing must
  be obtained via implementations@truework.com.
sources:
  - https://www.truework.com/products/api
  - https://www.truework.com/products
  - https://www.truework.com/verifications
  - https://help.truework.com
plans:
  - id: truework-verifications-platform
    name: Truework Verifications Platform
    type: contact-sales
    description: >
      Unified income and employment verification platform spanning all six verification
      methods (Instant Data, Payroll Credentials, Bank Credentials, Tax Credentials, Smart
      Outreach, Document Upload). Smart orchestration routes each verification to the
      method most likely to complete. Coverage stated by Truework at over 97% of U.S.
      workers. Pricing via contact-sales.
    entries:
      - label: Verification
        name: verification
        type: contact-sales
        metric: verification
        timeFrame: usage
        geo: US
        unit: 1
        price: contact
        userMultiplied: false
        description: Per-verification pricing varies by method (instant vs outreach vs credentials) and contract.
    elements:
      - name: Six verification methods orchestrated automatically
      - name: GSE-ready unified reporting (Day 1 Certainty, AIM, GUS)
      - name: Tenant-controlled verification method gating via request_config
      - name: Sandbox environment with deterministic test SSN fixtures
      - name: Webhook delivery with 48h retry and X-Truework-Token signing
      - name: Dated API versioning (current 2023-10-30) with pinned API keys
      - name: Truework Direct (Truework.js) borrower-driven verification widget
      - name: Public beta Qualification Checks for knockout decisioning
  - id: truework-api
    name: Truework API
    type: contact-sales
    description: >
      Direct REST API integration for custom workflows. Includes Bearer-token API keys
      (tw_sk_*), sandbox (tw_sk_test_*) and production environments, webhooks, and
      Truework.js publishable keys (tw_pk_*) for the embedded Truework Direct widget.
    entries:
      - label: API access
        name: api-access
        type: contact-sales
        metric: api
        timeFrame: month
        geo: US
        unit: 1
        price: contact
        userMultiplied: false
    elements:
      - name: REST API over https://api.truework.com
      - name: Bearer-token auth with rotatable secret keys
      - name: Up to 10 webhook destinations per account
      - name: Publishable keys for Truework.js Direct widget
      - name: 10 req/s per IP and per account rate-limit envelope
  - id: truework-los-pos-integrations
    name: LOS / POS Integrations
    type: packaged
    description: >
      Pre-built integrations with mortgage loan-origination systems (Encompass, Empower)
      and point-of-sale systems (Blend, nCino). Bundled with the verification platform;
      no separate developer integration required for lenders running these systems.
    entries:
      - label: Integration package
        name: integration-package
        type: contact-sales
        metric: integration
        timeFrame: month
        geo: US
        unit: 1
        price: contact
        userMultiplied: false
    elements:
      - name: ICE Mortgage Technology Encompass
      - name: Dark Matter Empower
      - name: Blend POS
      - name: nCino POS