Verification methodology
What BuyerPass checks, what it does not check, and what a recipient should and should not conclude from a BuyerPass link.
The name on the page
BuyerPass does not verify the account holder’s name. The name at the top of a verification page is typed by the account holder, and the page says so on its face, in its own row, and again in the statements at the foot of the document. No government-ID check is performed and none is implied.
What is verified is access. To create a verification, a person must complete a credentialed sign-in at each institution listed — the institution’s own login, including whatever second factor it requires. A recipient can read the page as: whoever sent this link can sign in to accounts holding this much money.
This is deliberately a weaker claim than identity verification, and deliberately a stronger one than the emailed PDF statement it replaces, which is trivially editable and verifies nothing at all. Identity verification is not a substitute for know-your-customer diligence at closing, and neither is this.
Financial accounts
Accounts are connected through Plaid using read-only access. Institution usernames and passwords are entered inside Plaid’s own interface and are never seen, handled or stored by BuyerPass. The connection is closed as soon as the balances have been read, so BuyerPass holds no standing access to any account.
What counts toward the figures
BuyerPass computes two figures and nothing else.
- Cash and cash equivalents — checking, savings, money market and brokerage cash balances.
- Liquid assets — cash and cash equivalents plus readily marketable publicly traded securities: equities, ETFs, mutual funds and fixed income held in taxable brokerage accounts.
The following are always excluded, even when BuyerPass can see them:
- Retirement accounts of every kind
- Real estate and home equity
- Cryptocurrency
- Private business ownership
- Vehicles and collectibles
- Term deposits that are not immediately available
- Anything BuyerPass could not verify directly from a connected institution
What the recipient sees
The account holder chooses between two presentations when they create a link.
- Verified total — the eligible liquid assets figure computed from the connected institutions at the moment of verification. This is the default.
- Threshold only — that the account holder is at or above a figure they selected. The total itself is not shown.
Either way the page names the connected institutions and each one’s share of the total as a percentage. Account numbers, individual account balances and holdings are never shown.
Note the arithmetic this permits: when an account holder discloses their verified total, the institution percentages allow a recipient to derive roughly how much sits at each institution. That is a consequence of choosing to disclose the total, and the choice is presented as such. A threshold-only link discloses relative concentration but no absolute figures.
What a BuyerPass link does not establish
BuyerPass verifies financial information from connected financial institutions and displays only the financial claim authorized by the account holder. BuyerPass does not guarantee that assets remain available, reserve funds for a transaction, or guarantee that a buyer will complete an acquisition.
Specifically, a BuyerPass link is not evidence that funds are committed or escrowed, that they will remain available after the verification timestamp, that the buyer has financing in place, that a government-issued identity document was inspected, that the name shown is the buyer’s legal name, or that the buyer will close. It is a point-in-time statement about verified liquidity and verified access to the accounts behind it, intended as preliminary qualification only.
Timing
Every figure is a snapshot taken at the moment shown on the verification page. A link continues to display the snapshot it was created from. Account holders can revoke any link at any time, and every link carries an expiration date.