• IDENTITY
  • INCOME
  • RISK
  • HUMAN

How to verify user income and identity with your AI

Connect Belvo to your AI client to pull live banking data. Once connected, your agent handles the heavy lifting of identity and income verification.

Ask AI about this page

Short answer

How can I verify user income and identity with my AI?

Your AI uses Belvo to pull real-time banking data, allowing it to confirm account owners and analyze transaction history for income verification. This automates your KYC and credit risk checks by looking at actual bank records instead of manual uploads. You'll see how the data flows from bank to agent below.

The results of automated verification

Where your data lands

The AI processes raw banking data into actionable insights for your risk decisions.

IDENTITY

Confirmed account ownership

The AI checks bank records to ensure the person applying actually owns the account. This prevents identity fraud during onboarding.

INCOME

Verified earnings data

Your agent analyzes transaction patterns to calculate reliable income levels. You get a clear picture of cash flow without asking for pay stubs.

RISK

Automated credit assessment

The AI evaluates financial health based on real-time account activity. This helps you decide on credit limits or loan approvals instantly.

HUMAN

Manual review flags

If the data looks suspicious or incomplete, the AI flags the profile for you. You decide whether to approve or reject the user manually.

The workflow

What your AI does when a user connects their bank.

The AI moves from identifying the user to analyzing their financial capacity.

  1. Identify the user

    The AI looks up the specific account details and owner information provided by the bank connection.

    list_ownersget_account

  2. Analyze income

    The agent pulls a list of income entries to see how much the user earns and how often.

    list_incomes

  3. Calculate risk

    Your AI compares the income data against the account history to determine creditworthiness.

    list_incomes

  4. Flag anomalies

    The agent checks the account details for any inconsistencies that require a human to step in.

    get_account

Try it

Copy these to start.

Use these prompts to trigger the verification process.

Starting points

These are basic ways to start. Swap out the specific account names or user IDs with the ones you are actually looking at.

Belvo Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_tbdLwCCXt5CKk2ERMA1JqkPx0QEupUeeqfutMwRu/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Belvo capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "belvo-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_tbdLwCCXt5CKk2ERMA1JqkPx0QEupUeeqfutMwRu/mcp"
    }
  }
}
Copy into chat04

  • List the owners for the connected Belvo accounts.

  • Show me the income history for the account ending in 4421.

  • Check the account details for user ID 9982 to verify identity.

  • Summarize the monthly income for this user based on their recent transactions.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Belvo once, then ask.

Click the link to connect your account. Your credentials stay encrypted and secure on our side, and you can find the full tool list on the Connector page.

Connect Belvo to your AI

FAQ

How the verification process behaves

  • 01

    Can the AI change bank transaction data?

    No. The AI can only read data provided by the bank through Belvo. It cannot modify or delete any banking records.

  • 02

    Does the AI make the final credit decision?

    No. The AI provides the data and the analysis, but you decide whether to approve or deny a user based on those insights.

  • 03

    Can I use this to see a user's full transaction history?

    The AI can access income and account details through the available tools, but it only sees what the specific tools allow it to pull.

  • 04

    What happens if the bank connection fails?

    If the connection is broken, the AI will not be able to run the tools and will report that it cannot access the data.

  • 05

    Can the AI verify identity without a bank connection?

    No. This specific workflow relies entirely on the data pulled through the Belvo connection.

  • More questions about Belvo? The Connector page answers them. See everything the Belvo Connector can do

Connect Belvo to Claude, Cursor, ChatGPT & more