Trusted by the leading financial innovators

Verify income and accelerate credit decisions
with employment data


Uplift on GINI coefficient

+ 10%

Approval rates increased


Successful data connections

Validate income with employment data and speed up lending processes

Reach new audiences without a credit history

Between 20% and 30% of credit applications are rejected due to lack of credit history in credit bureaus. Reduce the number of rejected applications due to ‘no-hit’ or the need for physical document submission and contribute to improving financial inclusion.

Through Belvo, you can also analyze the income of your current clients by consulting their information in IMSS. This way, you can reevaluate previously rejected applications from clients for whom you had not been able to estimate income.

Streamline credit decisions

Incorporate data from the Instituto Mexicano de Seguro Social (IMSS) as a new source to verify income 100% digitally. Eliminate manual processes and simplify the credit application process with an automatic consultation of work history.

To check work-related data, customers only need to provide their CURP through a highly secure flow that does not require sharing banking credentials, with a 95% successful connection rate.

Enhance your risk models

Unlike credit bureau data or information provided by users, IMSS data accurately represents users’ incomes. This includes precise details about past, current, and exact salaries of employees, as well as enriched data on the evolution of their job status.

Thanks to this, you can improve the accuracy of your models and offer credit proposals and payment terms tailored to the user’s needs. And since your evaluation of the user will always be up-to-date, you can adjust your credit lines if their job situation changes.

Data aggregation

A comprehensive view of employment data

Personal data

Access detailed information regarding the personal information of your user such as name, email, or birth date.

Social security

Get data about the individual’s social security contributions such as the number of weeks contributed or reinstated.


Retrieve data about users’ employment history such as their employer name, their monthly salary or the date when they started.


Get the income statement file as a PDF historical report.

Employment metrics

Directly receive enriched data that display a real picture of the user’ current and past employment history.

How it works

We can’t wait to hear
what you’re going
to build

Belvo does not grant loans or ask for deposits