Income Verification Software

Qoobiss income verification software lets any organization automate income checks using official data from ANAF, Romania's National Agency for Fiscal Administration. It verifies an individual's income based on their Personal Numeric Code (CNP) and their explicit consent, given through a digitally signed consent form. The result shows the individual's official financial status: employee, pensioner, parental leave recipient, or no registered income.

Automated income verification replaces manual document checks, reduces human error, and speeds up any process that depends on income, such as loan applications, leasing, and rental agreements. It supports anti-fraud controls and AML processes like source-of-funds checks, while giving customers a faster experience and lowering operational costs.

What Automated Income Verification Solves

Manual income verification is slow and easy to game. Applicants submit payslips or income certificates, staff review them by hand, and approvals take days. Documents can be edited or forged, and manual review adds human error.

Qoobiss removes these problems by retrieving income data directly from ANAF. There are no documents to collect or re-type, and no room for forged payslips or misrepresented employment. Verification takes seconds instead of days, so approvals move faster and fraud risk drops.

Official Income Verification via ANAF

Qoobiss income verification is an enterprise-grade solution for banks, non-banking financial institutions (IFNs), and other organizations that need to verify an individual's income automatically from ANAF, the official source.

It works only for individuals (natural persons). Using the person's CNP and consent, it queries ANAF automatically and returns structured information on their financial status through a fully digital workflow, such as:

• Employee (with one or multiple employers)

• Pensioner

• Parental leave recipient

• No income, or no eligible income source

Because every result comes from ANAF's official records, the data can't be altered by the applicant, which makes it a reliable basis for income verification for lending. Results are returned within seconds, with no manual steps that could cause errors or delays.

How Automated Income Verification Works

1. Consent: The individual gives explicit consent by digitally signing a consent form and sharing their CNP.

2. Request: Qoobiss sends the request and consent to ANAF over secure machine-to-machine (M2M) credentials.

3. Official response: ANAF validates the request and returns an encrypted file with the individual's official income details.

4. Interpretation: Qoobiss converts the XML response into clear, structured data and classifies the person's income status.

5. Delivery: The result is delivered to your systems through the income verification API, ready for KYC checks or credit scoring.

Key Capabilities of Qoobiss Income Verification Software

• Instant income verification: Verified income data from ANAF in seconds, replacing manual document collection.

• Fully automated process: From consent to data delivery, the entire flow runs without manual steps.

• Standardized financial insights: Structured XML and interpreted data that plug straight into credit scoring and onboarding systems.

• Regulatory alignment: Aligned with ANAF, BNR, and GDPR requirements for data access and storage.

• Security by design: Encrypted data transfer, digital certificates, and audit-ready logging for every request.

• Easy API integration: A REST API with minimal setup and clear documentation.

• Smart classification: ANAF data automatically sorted into clear categories: Employee, Pensioner, Parental Leave, or No Income.

• Better customer experience: No need for customers to request or upload tax documents.

• Built-in resilience: Automatic retries when a request fails, plus a fallback option that prompts the user to upload documents such as payslips or bank statements.

Compliance, Security & Consent

Qoobiss handles sensitive financial data in line with GDPR. Explicit consent is required before any request is sent to ANAF, and all reports are encrypted in transit. Every request is logged, giving lenders a clear audit trail for regulators.

The process supports lenders' obligations under BNR requirements, KYC and AML rules, and data protection laws, while reducing fraud and speeding up approvals.

Income Verification for Lending and KYC

For lenders, income verification software turns a days-long document check into a result in seconds. Banks, IFNs, leasing companies, and property management companies use it to confirm an applicant's income status before approving credit or signing a rental agreement. Faster approvals and fewer forged documents mean lower risk and happier customers.

Income verification for KYC helps confirm an individual's financial status as part of customer risk assessment and credit risk checks. Combined with digital onboarding, it replaces manual proof of income review with a fast, accurate, automated check.

How Income Verification Fits into the Qoobiss Platform

Qoobiss offers an end-to-end compliance platform for managing risk and meeting regulatory requirements. Income verification works alongside:

• ONTRACE: Qoobiss's identity verification software, confirming who the applicant is before their income is checked.

• ORIGIN: Qoobiss's onboarding platform, which adds income verification as an automated step in the customer journey.

• OMNICHECK: AML screening against sanctions and PEP lists, so identity, income, and screening checks run in one flow.

Together, they give lenders faster approvals, lower fraud, and a better experience for applicants.

Request a demo to see how Qoobiss income verification software can speed up your lending and onboarding decisions.