Employment
Verify income
and employment in seconds
Make confident credit decisions with income data from official sources. Reduce manual friction and approve more applicants with a complete view of their financial stability.
Trusted by the leading financial innovators
verify income and accelerate credit decisions with employment data
Expand your reach
Our data allows you to verify users who lack a long credit history but possess stable, high-paying jobs.
Shorten approval cycles
We retrieve years of employment history and salary trends in under 15 seconds, allowing for instant loan offers.
Minimize default risk
Go beyond a snapshot and analyze job stability and salary evolution to predict repayment capacity with high accuracy.
Secure pipelines to verified data
Belvo integrates directly with official sources using enterprise-grade security protocols and ISO 27001 certification.
The most complete offer in Latin America
Mexico
Leverage employment data to verify income in Mexico
Accelerate your credit decision processes and offer tailor-made credit products for consumers with little or no traditional credit history.
Brazil
Official employment data to verify income in Brazil
Identify the salary and work history of Brazilian contributors using employment data. Speed up your credit analysis process and make more assertive decisions.
A one-stop-shop solution for your credit strategy
Reach new audiences without a credit history
Verify stable income for credit-invisible applicants by connecting directly to official employment data. This allows you to safely approve reliable workers who were previously overlooked by traditional credit bureaus.
Predict income
for smarter risk management
Analyze salary evolution and stability to build models that accurately anticipate future repayment capacity. This predictive intelligence helps you offer competitive proposals while maintaining a low default risk.
Why leading lenders choose
Belvo’s employment data
20%
increase in the amount of credit granted per user
65%
conversion from data connection to credit offer
10%
higher approval rates without increasing risk
+80M
checks of employment records
How it works
PROMPT
Explain to your users the benefits of connecting their employment data.
CONNECT
They only need their credentials to authenticate.
ACCESS
Retrieve social security and working history data.
DECIDE
Determine users’ working situation and offer them a personalized loan proposal.
Discover Belvo's MCPs
Ship agentic workflows with open finance
Three specialized MCP servers, one place to start: faster integration, live access to verified financial data, and portfolio-wide analysis.
Know moreIntegrate faster with AI assistance
Cut integration time from weeks to minutes. Your AI client reads our documentation, writes the code and debugs the errors itself.
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The right endpoint and a working example, so it writes code that runs.
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Free and open — no account needed. Works in Cursor, VS Code, Claude Code and Codex.
Use the Developer MCP to scaffold a Belvo income verification call for a Mexican user and show me a sandbox response.
Here's a working example using Belvo's Developer MCP:
# requirements: belvo-python from belvo import Client c = Client(secret_id, secret_pw, "sandbox") r = c.Incomes.create(link="lnk_mx_a1c9…") # → 200 OK { monthly_income: 4500.00, employer_verified: true }
Access users' verified data
Decide on verified records instead of rough estimates. Your agent pulls banking, employment and fiscal data from plain-language questions.
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Earnings and employer as filed at the source, plus categorized spending.
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Every pull enforces user consent and leaves an audit trail.
How much did this user spend on Uber over the last year?
R$ 4.312,80 across 214 rides in the last 12 months.
| Quarter | Rides | Spend |
|---|---|---|
| Q3 2025 | 48 | R$ 962,40 |
| Q2 2025 | 57 | R$ 1.148,10 |
| Q1 2025 | 61 | R$ 1.284,60 |
Analyze your entire customer base
Move portfolio analysis into your AI client. Ask questions about your whole customer base in plain language.
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How limits, exposure and income shifts spread across your base.
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Aggregated figures only — never individual customer records.
Analyze the distribution of the credit card limits of my users.
Most limits sit between R$ 2k and R$ 5k. The distribution tails off steadily, with a small segment above R$ 10k.
Related guides & docs
Start retrieving employment data
Access users’ employment history and social security data in a few clicks.
Employment data for better credit decisions
Read more about how our product works and how it can help lenders to make more informed credit decisions.
Open Finance for lenders guide
Discover how open finance technology can help improve conversion and build better lending solutions.