How verification works

Every number in your profile carries a label saying where it came from. That label is its verification tier, and it is tracked per input — your income can be securely verified while your monthly debts are still self-reported.

The four tiers

• Tier 1 — Self-reported: you typed it in. Useful for planning, unverified.
• Tier 2 — Document-backed: a pay stub, W-2, or statement you uploaded supports the number.
• Tier 3 — Securely verified: sourced directly from a connected provider such as Plaid, so it is current and nobody had to type it.
• Tier 4 — Pre-approved: lender-owned. A lender has reviewed your file. Lender support is coming soon; Sill cannot grant this tier itself.

Connecting a bank is free

Linking an account to verify your income, balances, and debts is free for every buyer, permanently. It is not part of the paid tier and never has to be unlocked. It is also the fastest way to strengthen a profile, because it replaces several self-reported guesses with current figures at once.

Prefer not to link an account? Uploading documents gets you to Tier 2 on any input, and a document-backed profile is a real, useful profile.

What verification actually buys you

Verification narrows uncertainty. It makes Sill's answers more trustworthy, and it makes your file legible to the humans on the other side — an agent or lender can see what has been confirmed instead of taking your word for it. That is what makes a concierge match land well today, and what will make marketplace offers competitive when the marketplace opens.

What it does not do is raise your score by itself. Verification changes how much confidence sits behind the number, not the number.