01
Candidate links payroll
OAuth into ADP, Workday, Gusto — net pay, gross pay, and YTD earnings flow in.
Products · Income verification
Real income,from real bank accounts.
Pay stubs are the easiest document to fake — and AI made it easier. Ethur verifies income directly from payroll providers and bank deposit history, triple-cross-checked against identity. No PDFs required.
FCRA & state-law compliantSOC 2 Type IIGDPR ready
Bank-direct income
12-mo deposit history · Verified
12,000+
Bank institutions
12 mo
Deposit history
100%
Source-of-record
0
Pay stubs needed
/ The realityAI made paystubs fake.
AI made paystubs fake.
Bank deposits made them real.
A $5 prompt and any image generator produces a flawless paystub. The only way to verify income now is to read it directly from the bank account it lands in.
Without Ethur
- Manually-uploaded PDF paystubs
- AI-generated W-2s with perfect formatting
- No way to confirm deposit reality
- Hours of manual review per applicant
- Income claims with no audit trail
With Ethur
- Direct payroll net-pay reads
- Bank-direct deposit history (12 months)
- Employer name + amount cross-match
- Stability score for consistent income
- Auditable, source-cited income report
/ Built for youIncome, triple-confirmed.
Income, triple-confirmed.
From the source.
Payroll-direct income
Read net and gross pay directly from ADP, Workday, Gusto, and 50+ payroll providers.
Bank deposit verification
12 months of deposit history from 12,000+ institutions via Plaid and MX.
Employer cross-match
Direct-deposit employer name confirmed against payroll-direct employer name.
Self-employed & 1099
Bank-data-based income for contractors, gig workers, and small business owners.
Stability scoring
Income consistency, frequency, and trend scores for risk-based decisioning.
AI document fallback
If linking isn't possible, Claude-AI inspects uploaded documents for tampering and AI generation.
/ How it worksLinked.
Linked.
Verified. Done.
A two-tap candidate flow that delivers a defensible income report in minutes, not days.
02
Candidate links bank
OAuth into 12,000+ banks reveals 12 months of deposit history and employer match.
03
Cross-verification
Ethur reconciles payroll vs bank — employer name match, amount match, frequency match.
04
Income report delivered
Net, gross, stability score, and source-cited audit trail land in your ATS.
/ Sample reportWhat you actually receive.
What you actually receive.
Bank-direct, audit-ready.
Ready to see Ethur on your data?
Start a free trial in minutes, or get a tailored walkthrough with our team.
/ FAQ
Common questions
Why bank + payroll, not just one?
Each source alone can be spoofed by a sophisticated actor. Cross-checking payroll-reported pay against actual bank deposits eliminates virtually all real-world income fraud.
What about self-employed candidates?
We use bank-direct deposit history alone, with intelligent classification of recurring business deposits and tax-payment patterns.
Is this FCRA + GLBA compliant?
Yes. Bank linking is permissible-purpose under GLBA with explicit candidate consent, and the income report is FCRA-defensible end to end.