What Argyle does

Argyle is a consumer-permissioned verification platform that delivers direct-source income, employment, and asset data to U.S. enterprises through connections to payroll systems, bank accounts, and document processing. Founded in 2018 and headquartered in New York as a Delaware corporation, Argyle operates remote-first and covers 90% of the U.S. workforce through integrations with 545+ employers, payroll providers, and gig platforms including 96% of the Fortune 1000. The platform is delivered via enterprise sales, embedded integrations with major point-of-sale and loan origination systems (nCino, Encompass, Consumer Connect, Tidalwave, Byte, Empower, Vesta), a public API, and a no-code Console. Asset verification (VOA/VOAI) is powered by Mastercard's open finance technology (Finicity), covering 95% of direct deposit accounts with up to 24 months of transaction history.

Argyle monetizes on a per-verification transaction basis, claiming 80%+ cost savings versus legacy verification databases such as The Work Number, and offers free reverifications once a consumer has connected their account. The company serves five primary verticals: mortgage lenders (with approved rep & warrant relief via Fannie Mae Day 1 Certainty and Freddie Mac AIM Check), personal lenders, government benefits agencies (SNAP/Medicaid/TANF), background check providers, and tenant screening services; gig economy platforms are an additional secondary segment. Verified quantified outcomes include ALCOVA Mortgage's 88% per-loan cost savings, NFM Lending's ~$100 per-loan savings and 10-day cycle compression, Lake Michigan Credit Union's three-week reduction in verification time, SafeRent's drop from 4 days to hours for income verification, and 55%+ average platform conversion rates.

Argyle is venture-backed by SignalFire (Series B lead), Bain Capital Ventures, Bedrock, Checkr, Rockefeller Capital Management, and Mastercard (strategic investor). Disclosed equity raised totals approximately $107.6 million across rounds from 2019 through 2025, with the most recent (September 2025) a strategic financing led by Mastercard following the June 2025 launch of direct-source banking connections. Leadership is anchored by co-founders Shmuilk Fishman (CEO) and Audrius Zujus (CTO), with Brian Geary (COO), John Hardesty (VP of Mortgage), Daniel Esquibel (Head of Partner Sales), and Kate Rojas (VP of Marketing).

Name

Argyle

Legal name

Argyle Systems Inc.

Website

https://argyle.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Argyle is a consumer-permissioned verification platform providing direct-source income, employment, and asset data for U.S. mortgage lenders, personal lenders, government agencies, background check providers, and tenant screeners via payroll, banking, and document connections.

Ownership category

akta.pro rank

Product category

Income and Employment Verification Software

NAICS

Investigation and Personal Background Check Services (561611)

akta.pro primary industry

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

Keywords

• Income verification
• Employment verification
• Asset verification
• Payroll data API
• Consumer-permissioned data

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Verification Transaction Fees: Argyle charges for verification reports and data access on a per-verification or transaction basis. Pricing is consumption-based, with organizations paying per verification report generated through the platform. The company claims cost savings of 80% or more compared to legacy verification databases like The Work Number, which can cost $100-$200+ per report.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Argyle operates a consumer-permissioned income, employment, and asset verification platform that connects lenders, fintechs, government agencies, background check providers, and tenant screening companies to source data held by payroll providers, banks, and government benefit systems. Customers consume verification results through API integrations, an embeddable consumer link, and a console, with named offerings covering payroll VOI/VOE, banking VOA/VOAI, document VOI, and vertical-specific verification solutions for mortgage, personal lending, government benefits, background checks, tenant screening, and the gig economy.

Product overview

Argyle is a unified verification platform offering three core verification methods: Direct Connect Payroll (income/employment), Direct Connect Banking (assets), and Doc Processing (document-based). The platform integrates directly with major POS systems (nCino Mortgage, Consumer Connect, Tidalwave, Lendger Logix) and LOS platforms (Encompass, Byte, Empower), and is accessible via Argyle Console (no-code), Argyle API, or embedded integrations. Industry-specific solutions include Mortgage, Personal Lending, Government Benefits, Background Check, Tenant Screening, and Gig Economy verticals. The platform also includes Argyle Link (consumer connection interface) and Argyle Passport (consumer account management). Additional products include Day 1 Certainty (rep & warrant relief for mortgage) and Asset and Income Modeler (GSE-aligned verification). Founded in 2018, the company is headquartered in New York with remote-first operations.

Differentiator

Problem solved

Functional benefit

Brands

• Argyle Link: Consumer-facing user interface that allows consumers to connect their payroll or work-related accounts to partners.
• Argyle Passport
• Argyle Verify
• Doc VOI

Products and services

• Direct Connect Payroll (VOI/VOE)

Quantifiable outcome

• 80%+ cost savings versus legacy verification providers; individual lenders report $100 per loan savings
• +6 more outcomes

Named customers8 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability4 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core.

• Mastercard (open finance technology / Finicity)coreTechnology or Integration · 1 January 2025Argyle's direct-source banking connections are powered by Mastercard open finance technology (Finicity), enabling verification of assets and income using bank transaction data across 95% of direct deposit accounts.
• nCinocoreTechnology or IntegrationnCino Mortgage has integrated Argyle's verification capabilities directly into its platform, including Doc VOI feature and embedded VOIE workflow within Form 1003. Data flows automatically from Argyle into the nCino LOS and can pass verified income data, paystubs, and W-2s to Encompass.
• Encompass (ICE Mortgage Technology)coreTechnology or IntegrationArgyle integrates with Encompass LOS, enabling verified income data, paystubs, W-2s, and VOIE reports to flow automatically into the loan origination system from nCino and other POS platforms.
• Consumer ConnectcoreTechnology or IntegrationPOS integration partner featured on Argyle's website. Argyle verifications are embedded directly in Consumer Connect's application flow.
• TidalwavecoreTechnology or IntegrationTidalwave is a mortgage technology platform that has integrated Argyle's verification capabilities, enabling direct payroll and bank data connections within its platform.
• Freddie MaccoreTechnology or IntegrationArgyle is an approved Freddie Mac vendor for AIM Check integration, enabling Doc VOI and other verification outputs to qualify for rep & warrant relief in automated underwriting. Argyle's data passes through to Loan Product Advisor for automated underwriting decisions.
• Fannie MaecoreTechnology or IntegrationApproved Fannie Mae vendor. Argyle's Day 1 Certainty provides relief from representations and warranties on validated data. Argyle data integrates with Desktop Underwriter for automated underwriting.
• SafeRentcoreTechnology or IntegrationTenant screening provider that implemented Argyle's Direct Connect Payroll verification across its platform. The integration took approximately six weeks and reduced income verification times from 4 days to hours.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Others

• Checkr: Checkr is a leading background check provider and an Argyle customer and investor that uses Argyle for employment verifications. It is adjacent rather than direct: Checkr buys verification inputs but competes at the downstream background check layer.
• Snappt: Snappt is a tenant screening fraud detection vendor that integrates Argyle into its verification waterfall. It is a customer and partner rather than a direct competitor, sharing the same end-buyer (property managers) but at a different layer of the stack.

Direct peers

• MX Technologies: MX provides open banking and financial data connectivity used by banks and fintechs for account aggregation, verification, and money movement. It overlaps with Argyle on bank-based asset and income verification and powers similar lender workflows.
• Plaid: Plaid is a leading open banking and financial data connectivity platform covering the vast majority of U.S. bank accounts. It increasingly overlaps with Argyle's Direct Connect Banking capability for VOA/VOAI and serves many of the same lenders and fintechs.
• Truework: Truework is a credentialed employment verification network for mortgage lenders, lenders, and background check providers. It overlaps directly with Argyle's VOI/VOE use cases across mortgage and lending verticals.
• Pinwheel: Pinwheel is a direct competitor offering consumer-permissioned payroll connectivity for income and employment verification, with similar API-first positioning and mortgage/lender focus. It competes head-to-head with Argyle on direct payroll coverage and lender integrations.
• The Work Number (Equifax): The Work Number is the dominant legacy employment and income verification database, owned by Equifax, covering ~125M U.S. workers. It is Argyle's primary incumbent competitor in mortgage and lender verification workflows.

Broad incumbents

• Yodlee (Envestnet): Yodlee is a long-established financial data aggregation platform used by large banks and lenders. It competes in bank-based verification and account connectivity and is part of Envestnet's broader data and analytics portfolio.
• DataVerify (Equifax): DataVerify provides mortgage-specific verification, fraud detection, and risk data tools to lenders as part of Equifax's mortgage solutions. It competes in similar lender verification and data-driven mortgage workflows to Argyle.
• Finicity (Mastercard): Finicity is Mastercard's open finance platform that powers Argyle's banking connections and is also offered directly to financial institutions. It is both a partner and a potential competitive channel into the same VOA/VOAI use cases Argyle addresses.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/withArgyle
• YouTubeyoutube.com/@ArgylePlatform
• LinkedInlinkedin.com/company/argylesystems
• Facebookfacebook.com/argylesystems

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds6 records

Investors10 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Argyle