Problem

Financial institutions and fintechs routinely need tax records to verify income and employment, assess loan eligibility, perform KYC/KYB, and understand a customer’s financial position. Yet incumbent approaches reportedly involve week-long processing times, limited data, and rigid interfaces, creating underwriting, onboarding, and financial-planning delays at exactly the points where faster, more complete information has economic value. Chart’s core “killer” use case is automating income verification and client onboarding with authoritative tax data rather than relying on slow, fragmented document collection.

The pain is especially acute for banks, credit unions, mortgage companies, lenders, and other fintechs that must repeatedly collect tax returns, transcripts, and related documents from customers. Chart positions the IRS and other official tax records as the source of truth, replacing cumbersome retrieval workflows with a faster, more programmable data-access layer.

Product / Service

Chart provides a unified tax-record collection API: a single integration connects an application to the IRS, state tax agencies, and major tax-preparation platforms such as TurboTax and H&R Block. Through Chart Connect, a taxpayer selects a provider, authorizes access, and grants the application permission to retrieve tax transcripts, full returns, and filed documents; Chart then issues an access token for API requests.

The service returns tax information in structured JSON after automatic OCR and parsing, with a developer-oriented REST API, SDKs, sandbox environments, and documentation. Customers can access records within seconds, while consent controls, non-persistent credentials, granular document permissions, and optional PII obfuscation are designed to reduce privacy and compliance risk. Pricing is customized based on customer needs, and the product offers a free account and sandbox for development and testing.

Market

Chart competes in B2B fintech infrastructure and tax-data aggregation, effectively presenting itself as “Plaid for tax records.” Its customers are financial institutions and fintechs that need verified tax data for lending, onboarding, income and employment verification, financial planning, and related workflows. The company contrasts its real-time API with older tax-record solutions characterized by slower processing, limited data, and inflexible interfaces. A third-party tax-technology listing identifies TaxMaster Data Suite as an alternative, although the available research does not establish a comprehensive named competitor set.

Chart was founded in 2022, is a Winter 2023 Y Combinator company, and is listed as active with a three-person team. Its startup profile says the API is used by leading financial institutions and fintech companies, while Chart’s own sales page describes it as trusted by innovative fintechs and financial institutions. No public revenue figures or customer names were found, so its precise commercial scale and profitability cannot be determined; however, the live API, custom-quote sales process, and reported institutional usage indicate a product beyond a purely conceptual prototype rather than enough evidence to label it definitively pre-revenue.