specification: API Commons FinOps
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/FinOps
provider: Trulioo
providerId: trulioo
created: '2026-05-25'
modified: '2026-05-25'
description: >-
  FinOps mapping of the Trulioo commercial surface to the FinOps Framework /
  FOCUS data spec. Trulioo bills via committed-volume contracts with overage
  rates, broken down by product (KYC, KYB, DocV, Person Fraud, Watchlist) and
  country / datasource bundle. There is no self-serve billing portal; usage
  reporting is delivered via the Trulioo portal and monthly invoices.
sources:
  - https://www.trulioo.com/contact
  - https://developer.trulioo.com/reference/api-reference-overview

billingModel:
  type: contract-with-overage
  commitment: monthly-committed-volume
  invoicing: monthly
  selfService: false
  unitOfWaste:
    - unused-monthly-commitment
    - failed-verifications-billed-as-success-when-RecordStatus=match

services:
  - id: trulioo-kyc
    label: Person Verification
    billing: per-verification
    cost-dimensions:
      - country
      - datasource-bundle
      - configuration-name
    focus-mapping:
      ServiceCategory: Identity Verification
      ServiceName: Trulioo Person Verification
      ChargeCategory: Usage
      PricingUnit: verification
  - id: trulioo-kyb
    label: Business Verification
    billing: per-business-record
    cost-dimensions:
      - jurisdiction-of-incorporation
      - report-tier
    focus-mapping:
      ServiceCategory: Identity Verification
      ServiceName: Trulioo Business Verification
      ChargeCategory: Usage
      PricingUnit: business-verification
  - id: trulioo-docv
    label: Document Verification
    billing: per-document-verification
    cost-dimensions:
      - country
      - document-type
      - liveness-included
    focus-mapping:
      ServiceCategory: Identity Verification
      ServiceName: Trulioo Document Verification
      ChargeCategory: Usage
      PricingUnit: document-verification
  - id: trulioo-fraud
    label: Person Fraud
    billing: per-risk-check
    cost-dimensions:
      - country
    focus-mapping:
      ServiceCategory: Fraud Detection
      ServiceName: Trulioo Person Fraud
      ChargeCategory: Usage
      PricingUnit: risk-check
  - id: trulioo-screening
    label: Watchlist & PEP Screening
    billing: per-screening-check
    cost-dimensions:
      - monitoring-enabled
    focus-mapping:
      ServiceCategory: AML Screening
      ServiceName: Trulioo Watchlist Screening
      ChargeCategory: Usage
      PricingUnit: screening-check
  - id: trulioo-workflow-studio
    label: Workflow Studio Platform
    billing: platform-fee
    cost-dimensions:
      - workspace
    focus-mapping:
      ServiceCategory: Identity Platform
      ServiceName: Trulioo Workflow Studio
      ChargeCategory: Subscription
      PricingUnit: contract

optimization-strategies:
  - id: dedupe-with-end-client-profiles
    label: Reuse end-client profiles
    description: >-
      Workflow Studio supports reusable end-client profiles. Reusing a profile
      avoids re-running expensive verifications for the same individual within
      a configured TTL.
  - id: configuration-recommended-fields
    label: Send only recommended fields
    description: >-
      Use /v3/configuration/fields/{config}/{country}/recommended to discover
      the minimal field set most likely to match. Sending unnecessary fields
      may select more expensive datasource bundles.
  - id: sandbox-test-entities
    label: Use Trulidemo test entities for dev / CI
    description: >-
      Test entities in the Trulidemo sandbox return deterministic results
      without consuming contracted production volume.
  - id: partial-results-polling
    label: Poll partial results for slow datasources
    description: >-
      For verifications routed across multiple datasources, use
      /v3/verifications/transaction/{id}/partialresult to stream early
      verdicts and exit early when sufficient evidence exists.

reporting:
  - id: portal-usage
    label: Trulioo Portal usage dashboard
    url: https://portal.trulioo.com
    cadence: realtime-to-daily
  - id: monthly-invoice
    label: Monthly invoice
    cadence: monthly
    format: pdf