Verify employer, gross income, work history, and tenure — directly from payroll systems, tax authorities, and gig platforms. Anywhere in the world. Cryptographically secure.
We don't replace your fraud team. We replace the brittle document-and-database layer and phishing service providers.
The borrower logs in on the payroll system itself — never on a third-party flow asking for credentials. You receive a cryptographic proof that any auditor can independently re-verify, even after the verifier is gone.
Income proofs that belong to you alone — not data quietly resold across credit, insurance, marketing, and ad networks. Lower regulator risk, lower data-broker exposure, higher borrower trust.
Verify a single fact — employer, title, dates — anywhere a candidate can log into their HR system. We don't scrape 170 HR fields, store them, or resell them. Only the one fact you asked for is returned.
The incumbent is a 50-year-old credit-bureau database. The other phishes payroll credentials.
Aggregators capture the user's payroll credentials and scrape 170+ HR fields in the process. Reclaim runs the login on the source itself. The math makes it impossible for us to see the password.
The 1970s-era employment database refreshes whenever the payroll partner pushes a snapshot. Reclaim pulls today's pay stub today, straight from the source.
A central database is a single point of compromise — one breach, one insider, one subpoena and the whole archive moves. A Reclaim proof is bound to a TLS session with the source's real certificate. Unforgeable. By anyone.
Aggregators hold the user's data for 30+ days after the contract ends. Reclaim stores nothing — the proof goes from the user's device straight to your callback URL. There's no archive to subpoena, breach, or audit.
Both incumbents are bound by US payroll partnerships. Reclaim works wherever a worker can log into their payroll, tax, or gig platform — Brazil, Indonesia, India, the EU, anywhere.
Standard procurement timeline for incumbents: six weeks of sales calls before you can run a single verification. Standard Reclaim timeline: 10 lines of code, in test mode this afternoon.
SOC 2 Type II · ISO 27001 · GDPR ready. Audited by Zellic and ZKSecurity. Open source on GitHub. Your security team can verify the claim.
Plug in a test API key in 10 lines of code. Throw your underwriting team's hardest examples at it. If we can't catch it, you don't pay.
