> ## Documentation Index > Fetch the complete documentation index at: https://docs.cove.dev/llms.txt > Use this file to discover all available pages before exploring further. # Introduction > Cove is a platform that allows anyone to build and launch fintech workflows for the purpose of verification, screening, KYC, risk-reduction, and more. Think of it as a drag and drop builder for fintech. # Cove Studio Terminology #### **Nodes** Nodes are the building blocks of a fintech workflow. Each node can provide a specific functionality. For example: * **Employment Verification**: Validate employment directly through payroll systems. * **Financial Verification**: Real-time insights into financial behaviors and income by connecting to the applicant's bank. * **ID Verification**: Biometric and cross-national ID verification for applicants from 180+ countries. * **Background Check**: Screen over 100,000 sources to identify potential fraud, criminal history, or risks. * **Credit Report**: Access detailed credit reports from Equifax, TransUnion, and global credit databases. * **Residence History**: Collect information about an applicant's past residence history. * **Personal Info**: Collect references for applicants. * **E-Signature**: Let applicants sign documents digitally. * **Custom Form**: Add a custom form to the workflow. More nodes are being added over time. #### **Flows** Flows allow you to connect multiple nodes together to create a fintech workflow. With Cove Studio, you can create and launch new flows in under 5 minutes. Simply drag and drop the desired nodes, preview the flow, and once satisfied, hit Publish. *** ### Node Highlights #### **Payroll Verification** * **Why it matters**: Traditional employment verification (phone calls or pay stubs) is prone to forgery or inaccuracies. Payroll verification connects directly with payroll systems for instant, reliable data. * **Time saved**: Eliminates the need to contact HR during office hours, saving realtors valuable time. #### **Financial Verification** * **Why it matters**: Manual income verification via pay stubs or statements is time-consuming and susceptible to falsification. Real-time bank data ensures authenticity. * **Time saved**: Instantly verify financial data without manual cross-checking, giving peace of mind. #### **Rent Transaction History & Landlord Reference Check** * **Why it matters**: A record of missed rent payments is a key indicator of potential risks. Landlord references provide insights into tenant behavior (cleanliness, neighbor relations, etc.). * **Time saved**: Automates landlord outreach and delivers comprehensive tenant history. #### **Background Check** * **Why it matters**: Uncovers fraud, crime records, eviction histories, and more through extensive database scans. * **Time saved**: Reduces the research burden by consolidating information unavailable to individuals. #### **ID Verification** * **Why it matters**: Ensures applicants' identities are legitimate with biometric verification and global ID cross-referencing. * **Time saved**: Avoids manual verification delays and prevents fraud attempts. #### **Credit Report** * **Why it matters**: Evaluates financial reliability based on debt management and payment history. * **Time saved**: Automatically integrates with Equifax and / or TransUnion, saving institutions the cost and effort of running individual checks. *** ### Cost-Saving Features 1. **Applicant-Paid Screening**: Allow applicants to bear the cost of their screenings, demonstrating their commitment while reducing your expenses. 2. **Efficient Representations**: Realtors and representing agents can use the service to collect and verify tenant data upfront. *** ## Why Choose Cove? **Problem** Building fintech workflows—be it for lending, insurance, onboarding, or compliance—often involves integrating multiple vendors, managing complex APIs, and ensuring regulatory compliance. This process is time-consuming, costly, and prone to errors. **Our Solution** Cove simplifies this by offering a drag-and-drop platform that allows you to build, launch, and scale fintech workflows without writing code or managing multiple vendor integrations. Here's how: * **Rapid Deployment**: Launch white-labeled financial products in minutes, not months. Cove handles the heavy lifting—integrations, compliance, and infrastructure—so you can focus on delivering value to your customers. * **Unified Compliance**: With Cove's Compliance Vault, complete a single KYB process to gain instant access to over 30 fintech providers, streamlining your compliance requirements. * **Scalable Infrastructure**: Cove's platform is designed to scale with your business, supporting high-volume workflows with robust monitoring, fallback logic, and infrastructure that scales automatically. ### **Asset Management Example** One of the ways we sell to large apartment managers is by committing fraud — not actually but kind of. We send fraudulent documents to apply to rental units → Leasing Teams review our documents/run screening on fake documents → We get rental offers for the properties and record the whole thing, send it to property managers in a short loom of what went down.