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.
80+ payroll providers. 12,000+ financial institutions.
Direct, consent-based integrations with the systems your candidates already use — no documents, no scraping.
Income, triple-confirmed. From the source.
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 systems it lives in.
Payroll-direct income
Read net and gross pay directly from ADP, Workday, Gusto, and 50+ payroll providers — no self-reported PDFs.
Explore Ethur's approach →Bank deposit verification
12 months of deposit history from 12,000+ institutions via Plaid and MX, pulled with candidate consent.
Explore Ethur's approach →Employer cross-match
Direct-deposit employer name confirmed against payroll-direct employer name — mismatches surface instantly.
Explore Ethur's approach →Self-employed & 1099
Bank-data-based income for contractors, gig workers, and small business owners, with recurring-deposit classification.
Explore Ethur's approach →Stability scoring
Income consistency, frequency, and trend scores for risk-based decisioning — not just a single number.
Explore Ethur's approach →AI document fallback
If linking isn't possible, AI inspects uploaded documents for tampering and AI generation before anything is accepted.
Explore Ethur's approach →Linked. Verified. Done.
A two-tap candidate flow that delivers a defensible income report in minutes, not days.
Candidate links payroll
OAuth into ADP, Workday, Gusto — net pay, gross pay, and YTD earnings flow in.
Candidate links bank
OAuth into 12,000+ banks reveals 12 months of deposit history and employer match.
Cross-verification
Ethur reconciles payroll vs bank — employer name match, amount match, frequency match.
Income report delivered
Net, gross, stability score, and source-cited audit trail land in your ATS.
What you actually receive.
Bank-direct, audit-ready.
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.
Verify income at the source.
Median 4-minute turnaround, 12,000+ institutions, zero pay stubs.