> ## Documentation Index
> Fetch the complete documentation index at: https://docs.argyle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Integration enhancements

> Banking VOAI and VOI income improvements.

<div className="release-meta">
  <span className="release-date">July 8, 2026</span>
  <span className="release-tag" data-changelog-tag="integrations">Integrations</span>
</div>

<img src="https://mintcdn.com/argyle/PXFuBtNZSrQ9sKgY/images/changelog/2026-07-08/banking_income_report_updates.png?fit=max&auto=format&n=PXFuBtNZSrQ9sKgY&q=85&s=8493a0097868ee19d726b401f6d47f7b" alt="Image" width="1960" height="1100" data-path="images/changelog/2026-07-08/banking_income_report_updates.png" />

We have released automatic updates to our [Banking VOI and Banking VOAI reports](https://docs.argyle.com/api-reference/verifications-guide) to make income calculations more accurate and report outputs easier to review.

✔️ **Updated VOI and VOAI PDFs:** Banking VOI and Banking VOAI report PDFs have been refreshed to reflect the latest income calculation and report output updates.

✔️ **More accurate gross income calculations:** Updated tax assumptions and state-level logic improve net-to-gross estimates.

✔️ **Better income stream detection:** Payment app deposits like Venmo and Zelle, along with check/cash and wire deposits, are now evaluated more precisely so related deposits are grouped into income streams and unrelated deposits are less likely to be counted as income.

✔️ **Improved projected income logic:** Infrequent, older, low-dollar non-paycheck deposits, and identified tax refunds are less likely to be treated as active ongoing income or projected forward.

✔️ **New gross income fields in report JSON:** Banking VOI and VOAI JSON now includes `net_monthly[].gross` and `average_monthly_income_gross` on each income stream.