FOR LENDERS

Verified tip income. Cryptographically signed. Lender-ready.

OTF gives mortgage originators, credit unions, and underwriters access to source-signed earnings data for the 5.5M tipped workers W-2s misrepresent.

Request API access

What payroll-based verification misses

The average full-service-restaurant worker has a W-2 understating real take-home by 60–75%. Credit decisions made on payroll data alone systematically underqualify the most stable tipped earners in the workforce.

How it works

STEP 1

Worker logs shift at point of earning

STEP 2

OTF signs the entry at log time

STEP 3

Worker authorizes the lender pull (OAuth-style)

STEP 4

Lender receives a signed VOE

Pricing

Single verification

$35

On-demand VOE pull. Pay per request.

Mortgage VOE package

$75

24-month signed history, suitable for GSE-style mortgage underwriting.

Volume (100+/mo)

Negotiated rate, dedicated SLA, batch endpoints.

Security & compliance

SOC 2 Type II — in progress
GDPR & CCPA compliant
Signed-at-source data integrity
Immutable hash chain
Quarterly key rotation
99.9% uptime SLA target