STEP 01
Capture
iPhone auto-crops the doc, Android via Lens, or desktop webcam. AES-256 in transit.
STEP 02
Extract
n8n → Google Document AI returns structured fields + per-field confidence.
STEP 03
Classify
Diana identifies doc type (paystub, W-2, 1099, ID, bank stmt, proof of address).
STEP 04
Cross-Reference
Name, address, employer compared across all uploaded docs for consistency score.
STEP 05
Fraud Check
Tamper indicators, impossible values (negative pay, future dates), OCR confidence floor.
STEP 06
Income Analysis
Annualizes pay, projects monthly avg + YTD, scores income stability, validates withholdings.
STEP 07
Decide
Composite risk score 0–100 → approve / review / deny with reason codes.
STEP 08
Notify
Twilio SMS with a signed result link to the applicant's verified mobile.
STEP 01
Capture
iPhone auto-crops the doc, Android via Lens, or desktop webcam. AES-256 in transit.
STEP 02
Extract
n8n → Google Document AI returns structured fields + per-field confidence.
STEP 03
Classify
Diana identifies doc type (paystub, W-2, 1099, ID, bank stmt, proof of address).
STEP 04
Cross-Reference
Name, address, employer compared across all uploaded docs for consistency score.
STEP 05
Fraud Check
Tamper indicators, impossible values (negative pay, future dates), OCR confidence floor.
STEP 06
Income Analysis
Annualizes pay, projects monthly avg + YTD, scores income stability, validates withholdings.
STEP 07
Decide
Composite risk score 0–100 → approve / review / deny with reason codes.
STEP 08
Notify
Twilio SMS with a signed result link to the applicant's verified mobile.