What is Chart?
Chart provides programmatic access to verified tax records for income verification and client onboarding. The API connects directly to IRS Online Accounts and major tax preparation platforms to retrieve official tax documents in real time. OCR processing converts records into structured JSON, simplifying integration with lending, underwriting, and financial operations.
Multiple submission options let clients provide records via IRS accounts, linked tax software, or completed IRS forms. Developer-focused tools include a REST API, SDKs, sandbox environments, and comprehensive documentation for integration and testing.
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Chart's key features
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Real-time access to client tax records via direct IRS and tax-prep platform connections
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Access to verified official tax documents from government sources and tax software
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Automatic OCR processing that converts tax documents into structured JSON
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Developer-centric REST API with SDKs, sandbox environment, and documentation
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Multiple submission options: IRS Online Accounts, tax-preparation software linking, or submitting official IRS forms
Chart use cases
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Automate income verification for mortgages, personal loans, and rental applications by retrieving verified IRS and tax-software records via API and converting them to structured JSON to accelerate underwriting and reduce fraud
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Streamline client onboarding for payroll, accounting, and benefits platforms by pulling tax returns in real time, using OCR-to-JSON to pre-fill forms, anonymizing PII for compliance, and maintaining auditable records through SDKs
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Build a self‑employed and gig‑economy underwriting workflow that uses real-time tax retrieval and document OCR to calculate stable income metrics, integrate with existing underwriting engines via REST APIs, and enforce strong privacy controls
Who is it for?
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Financial lenders
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Risk underwriters
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Fintech companies
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Onboarding platforms
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Income verification services