Use case · Lending & underwriting

Income verification from bank statements, with balance-chain integrity built in.

Consumer credit, BNPL, and SMB lending platforms verify income by parsing 3-6 months of borrower bank statements. The parsing layer needs to handle every EU and US bank format, return clean transaction-level data, and flag statements where the balance chain doesn't add up — that's a fraud signal underwriters care about. parsr is built for exactly this. Each parsed statement comes with a `validation.balance_chain` block that tells you whether opening + Σtransactions = closing within tolerance. Combined with per-field confidence scores, your underwriting agent can decide on its own when a statement needs human review (low confidence on key fields like closing_balance) versus when it's safe to auto-approve. Region-bound API keys mean a borrower in Germany has their statement parsed in Germany — no cross-border data flow that triggers BaFin scrutiny.