Employers & employees

Verifiabl is a privacy-first income verification infrastructure that connects three groups: payroll providers, who embed an encrypted Verifiabl barcode into every payslip at the point of generation; employees, who share their payslips when applying for loans, rentals, or other services; and lenders and verifiers, who instantly access source-verified income data through the barcode. For employers and employees, the experience is seamless - payslips are generated and shared exactly as they are today, with no new tools to learn.

For employers, Verifiabl removes the burden of fielding manual income verification calls and emails, eliminates the risk of accidental data disclosure during those interactions, and demonstrates a modern, privacy-first approach to employee data without requiring any internal changes or ongoing administration. For employees, it removes the friction of proving income for loans, rentals, and credit applications. Approvals become faster, employees stay in control of their data, and there's no need to chase HR for verification letters or send sensitive documents to multiple parties.

Verifiabl is free for employers and employees. The platform operates on a pay-per-verification model, where lenders and other accredited verifiers pay a fee each time they verify a payslip. This means the parties that benefit financially from accurate income data are the ones funding the infrastructure - employees and employers receive the benefits at no cost.

Yes, your data is safe, and no, Verifiabl cannot access your personal information without your active participation. Personally identifiable information stays encrypted within the payslip itself, not on Verifiabl's servers. The only way that data can be unlocked is when you choose to share your payslip with a lender or verifier - at which point they use the Verifiabl API to decrypt only the specific information needed for the verification. This means no single party, including Verifiabl, can access your data without you initiating the process.

The Verifiabl barcode contains your real income data, cryptographically sealed at the moment your payslip is generated. When a lender or verifier checks your payslip, they receive that source data directly from Verifiabl; not from the visible document. This means that even if someone attempted to alter the document, change a number, or forge an entirely fake payslip, the data the lender actually uses for their decision would still come from your real, untampered source information. Your real income data remains the only version that can be used for verification.

Even in a worst-case scenario, the impact would be minimal. Because Verifiabl never stores personally identifiable information (all PII remains encrypted within the payslip document under the employee's control) a breach of Verifiabl's infrastructure would not expose any employee names, addresses, or other identifying details. This zero-PII architecture is a deliberate design choice: it means the data that creates the most risk for employees is the data that never enters our systems in the first place.

There's nothing for employees to set up. If your employer's payroll provider has integrated Verifiabl, your payslips will already include the embedded barcode - you simply provide your payslip to a lender or verifier as you would today, and they handle the rest. If you're an employer who would like your payroll provider to support Verifiabl, get in touch with us at contact@verifiabl.io and we'll work with you and your provider to make it happen.