Belvo’s Enrich Your Own Data (EYOD) allows you to plug into our system your own raw data, whether you have an existing dataset or currently access open finance data, and we will return the income information.

Categorization turns your raw transaction data into clean, organized, and enriched categories.
Income Verification provides you with valuable visibility into your customers' income from multiple streams, including salaried wages, freelance earnings, and benefits.

📘
Belvo won't store your data in its database for using our EYOD resources. 🙂

Categorization

Belvo's Categorization resource allows you to categorize transaction data from any source. To do so, we only need information like the account type, amount, date, and description of each transaction from bank and credit card transactions.

The way it works is:

You send your raw transaction data to Belvo.
We process the transaction data and return category, subcategory, and merchant information, according to Belvo’s specifications.

Categorize transactions

You’ll need to send a POST Categorize transactions request with raw transaction information (such as amount, description, and holder information) to which Belvo:

provides additional information about the merchant involved in the transaction (name, logo, and website URL)
assigns a standardized category to each transaction
assigns a standardized subcategory to each transaction

📘
You can send through up to 10,000 unique transactions per request.

We offer the following method when it comes to interacting with Categorization:

Endpoints	Method	Description
Categorize transactions	`POST`	Enrich transactions with category, subcategory, and merchant information.

{
    "language": "pt",
    "transactions": [
        {
            "transaction_id": "3CWE4927CF15355",
            "account_holder_type": "INDIVIDUAL",
            "account_holder_id": "7890098789087",
            "account_id": "ITAUACA-89077589",
            "account_category": "CHECKING_ACCOUNT",
            "value_date": "2022-11-18",
            "description": "PIX UBER DO BRASIL",
            "type": "INFLOW",
            "amount": 650.89,
            "currency": "BRL",
            "institution": "ITAU"               
        },
        ...
    ]   
}

{
    "transactions": [
        {
            "transaction_id": "3CWE4927CF15355",
            "account_holder_type": "INDIVIDUAL",
            "account_holder_id": "7890098789087",
            "account_id": "ITAUACA-89077589",
            "account_category": "CHECKING_ACCOUNT",
            "value_date": "2022-11-18",
            "description": "PIX UBER DO BRASIL",
            "type": "INFLOW",
            "amount": 650.89,
            "currency": "BRL",
            "institution": "ITAU",
            "mcc": null,
            "category": "Income & Payments",
            "subcategory": "Freelance",
            "merchant": {
                "logo": "https://d3i4yxtzktqr9n.cloudfront.net/uber-sites/f452c7aefd72a6f52b36705c8015464e.jpg",
                "merchant_name": "Uber Technologies, Inc.",
                "website": "https://www.uber.com/br/pt-br/"
            }                   
        },
        ...
    ]   
}

Income Verification

Belvo's Income Verification resource enriches your transaction data so you can have visibility into your customers' income from various streams, including salaried wages, freelance earnings, and benefits.

To enrich your transaction data, send a POST Income Verification request with raw transaction information (such as amount, description, and holder information) to Belvo for income verification. Belvo processes it and returns:

insights into your customer’s multiple income sources to verify their earnings.
stability and regularity scores that reflect the consistency of your user’s income history.
a confidence level score to forecast your user’s future income potential.

We offer the following method when it comes to interacting with Income Verification:

Endpoints	Method	Description
Income Verification	`POST`	Enrich transaction data and gather insights on your user's income sources.

📘
You can send through up to 10,000 unique transactions per request.

{
  "transactions": [
    {
      "account_holder_type": "INDIVIDUAL",
      "type": "INFLOW",
      "transaction_id": "3CWE4927CF15355",
      "account_holder_id": "a61bc801-9fa5-457b-88ad-850c96eaca30",
      "account_id": "EBUACA-89077589",
      "account_category": "CHECKING_ACCOUNT",
      "value_date": "2022-11-18",
      "description": "SALÁRIO MENSAL",
      "amount": 500,
      "currency": "BRL",
      "institution": "Erebor Brazil"
    }
    ...
  ],
  "allowed_income_types": [
    "SALARY",
    "TRANSFER"
  ],
  "language": "pt",
  "date_from": "2022-08-01",
  "date_to": "2022-12-30",
  "minimum_confidence_level": "LOW"
}

[
    {
      "link": "b834e69b-1aa4-465d-969c-07c886a4fbed",
      "income_streams": [
        {
          "account_id": "EBUACA-89077589",
          "income_type": "SALARY",
          "source": "Gui Br",
          "frequency": "MONTHLY",
          "monthly_average": 150,
          "average_income_amount": 1500,
          "last_income_amount": 500,
          "currency": "BRL",
          "last_income_description": "SALÁRIO MENSAL",
          "last_income_date": "2023-03-25",
          "stability": 0.9,
          "regularity": 0.8,
          "trend": -0.1,
          "lookback_periods": 10,
          "full_periods": 5,
          "periods_with_income": 5,
          "number_of_incomes": 6,
          "confidence": "HIGH"
        },
        {
          "account_id": "EBUACA-89077589",
          "income_type": "TRANSFER",
          "source": "Gui Br",
          "frequency": "SINGLE",
          "monthly_average": 3000,
          "average_income_amount": "3000.00",
          "last_income_amount": 3000,
          "currency": "BRL",
          "last_income_description": "Transferência da Gui",
          "last_income_date": "2022-09-25",
          "stability": null,
          "regularity": null,
          "trend": null,
          "lookback_periods": 10,
          "full_periods": 5,
          "periods_with_income": 1,
          "number_of_incomes": 1,
          "confidence": "LOW"
        }
      ],
      "income_source_type": "BANK",
      "first_transaction_date": "2022-09-25",
      "last_transaction_date": "2023-03-25",
      "number_of_income_streams": 5,
      "monthly_average": 2000,
      "monthly_average_regular": 1800,
      "monthly_average_irregular": 200,
      "monthly_average_low_confidence": 200,
      "monthly_average_medium_confidence": 200.00,
      "monthly_average_high_confidence": 200.00,
      "total_income_amount": "12000",
      "total_regular_income_amount": 10800,
      "total_irregular_income_amount": 1200.00,
      "total_low_confidence": 200,
      "total_medium_confidence": 200,
      "total_high_confidence": 200"
    }
...
]

📘
Need more info? Check out our API reference! 🤓