Plaid is expanding its income verification suite by adding more automation and anti-fraud measures to help lenders make smarter decisions with real-time income information. The platform now enables lenders to verify borrower income in three ways, including through bank connections, payroll connections, or uploaded pay stubs or bank statements. This provides access to accurate and up-to-date income data, including improved categorization of income streams and real-time notifications of income changes. Additionally, Plaid has added measures to detect document tampering during the income verification process, using machine learning technology to identify over 30 fraud signals. The platform also offers a suite of services that streamline the loan lifecycle, including cash flow underwriting, identity verification, and disbursement management. With these improvements, lenders can now offer near-instant disbursements via ACH or Real-Time Payment rails, giving consumers the option of getting paid faster.