ProofUp — AI Tenant Screening

Description

ProofUp is an AI-powered tenant screening solution designed for multifamily operators to combat rental fraud. It goes beyond traditional pay stub verification by connecting directly to an applicant's bank and payroll accounts to confirm actual earnings. This ensures that landlords are not approving leases based on falsified income documents.

The platform verifies three critical aspects of every applicant: income, identity, and fraud. Income verification is achieved by linking directly to bank and payroll accounts via Plaid, or by using AI to analyze uploaded documents for deposit frequency and actual earnings, supporting gig workers and guarantors. Identity verification involves matching a government-issued ID with a live selfie using facial recognition, preventing identity theft. Fraud detection analyzes uploaded PDF documents at the data level, checking for hidden text layers, metadata inconsistencies, and generator fingerprints to identify tampering, even in pixel-perfect forgeries.

ProofUp streamlines the application-to-decision process, delivering results in under three minutes per applicant. When an application is flagged, the system provides clear explanations for each failed document, the verification method used, and the specific attempt that triggered the flag. This transparency empowers leasing teams to make informed decisions with evidence in hand. The platform boasts a dashboard that shows key metrics like reduced delinquency (50% less) and fewer evictions (24% fewer), alongside a detailed report of flagged fraudulent documents.

Trusted by property teams screening thousands of applicants, ProofUp offers a significant advantage over manual review and legacy screening methods. It provides a direct source of income verification, robust forged document detection, and reliable identity matching. The system is built to handle diverse income situations, including those of gig economy workers and non-traditional earners, ensuring a comprehensive screening process. By verifying income at the source, ProofUp helps property managers significantly reduce financial risks associated with tenant selection.

ProofUp's Core Features

• AI-powered income verification

• Direct bank and payroll account linking

• Identity verification via ID and selfie match

• Advanced fraud detection for uploaded documents

• Real-time decision delivery in under 3 minutes

• Detailed explanation for document flags

• Per-attempt verification history tracking

• Supports gig workers and guarantors

• Reduces delinquency by up to 50%

• Reduces evictions by up to 24%

• Dashboard for performance metrics

• Plain language flag explanations

How to use ProofUp?

1. 1

   Send Applicant Link: Your team sends a secure link to the applicant.

2. 2

   Applicant Verification: Applicant connects bank/payroll or uploads documents and completes ID/selfie verification.

3. 3

   AI Analysis: ProofUp's AI analyzes income, identity, and detects fraud in real-time.

4. 4

   Decision Delivered: Receive a Pass, Flag, or Fail decision with detailed explanations.

ProofUp's Use Cases

• Tenant Income Verification
• Identity Fraud Detection
• Forged Document Detection
• Reduce Delinquency
• Minimize Evictions
• Streamline Leasing
• Gig Worker Screening

FAQ from ProofUp

• How does ProofUp verify applicant income?

  ProofUp verifies income by directly connecting to an applicant's bank and payroll accounts via Plaid. For applicants who upload documents, AI analyzes deposit history and earnings from the files.

• What is the turnaround time for ProofUp tenant screening?

  ProofUp delivers a decision for each applicant in under three minutes.

• Can ProofUp detect forged documents?

  Yes, ProofUp uses AI to read uploaded PDF documents at the data level, checking for tampering, hidden text, metadata inconsistencies, and generator fingerprints to detect forgeries.

• How does ProofUp verify applicant identity?

  ProofUp verifies identity by matching a government-issued ID with a live selfie using facial recognition technology.

• Does ProofUp support gig economy workers or guarantors?

  Yes, ProofUp's income verification methods, especially bank linking and AI analysis of deposit history, are designed to support gig workers and guarantors.

• What happens if an applicant's document is flagged by ProofUp?

  When a document is flagged, ProofUp provides a specific reason for the failure, the verification method used, and which attempt triggered the flag, allowing your team to make an informed decision.

• What are the reported benefits of using ProofUp?

  Property teams using ProofUp report up to 50% less delinquency and 24% fewer evictions.

• Does an applicant need to download an app to use ProofUp?

  No, applicants can open the ProofUp link in any web browser; no app download is required.

• How does ProofUp compare to traditional screening methods?

  ProofUp offers direct income verification from bank/payroll, advanced fraud detection, and faster turnaround times compared to legacy screening that relies solely on documents.

• Can ProofUp help reduce evictions?

  Yes, by ensuring that only applicants with verified income and identity are approved, ProofUp helps reduce the risk of default and subsequent evictions, reporting up to a 24% reduction.