Chart provides a developer‑centric REST API that connects directly to the IRS and major tax‑preparation platforms to deliver verified client tax records in real time. The service automatically extracts data via OCR and returns it as structured JSON, supporting multiple submission methods and enterprise‑grade security, enabling fintechs and financial institutions to automate income verification and speed up onboarding.
Funding
Funding not disclosed
Founders
Product
Problem
Fintech companies and financial institutions often struggle to obtain reliable, up-to-date tax records for income verification, leading to slow onboarding and increased manual effort. Traditional methods rely on clients manually uploading PDFs or providing paper forms, which introduces errors, delays, and privacy concerns.
Solution
Chart offers a developer‑centric REST API that connects directly to the IRS and major tax‑preparation platforms, delivering verified tax records in real time. The service extracts data from submitted documents using automated OCR and returns clean, structured JSON, eliminating the need for manual parsing. Clients can submit their records via IRS Online Accounts, linked tax‑software accounts, or by uploading official IRS forms, providing flexibility during onboarding. Enterprise‑grade security, including SOC 2 Type II compliance and optional PII anonymization, ensures data privacy. The platform’s sandbox environment and SDKs enable rapid integration, allowing fintechs to automate income verification and accelerate loan or credit decisions.
Target Audience
Primary customers are fintech platforms, digital lenders, and financial institutions that need automated, reliable income verification for onboarding and credit underwriting.
Features
- Direct API connection to the IRS and leading tax‑preparation services for instant access to client tax records
- Automated OCR processing that converts tax documents into well‑structured JSON data
- Multiple submission pathways: IRS Online Account login, tax‑software linkage, or direct form upload
- SOC 2 Type II compliance with optional PII reduction and custom field obfuscation
- Developer‑friendly REST API with SDKs, sandbox, and comprehensive documentation
- High‑performance architecture delivering data within seconds