# Verification of Assets
source: https://developer.mastercard.com/open-finance-au/documentation/products/voa/index.md

### Verification of Assets (VOA) {#verification-of-assets-voa}

Tip: Accessing user data (account data, transactions, reports, etc.) requires user consent. For more about consent please check the [consent](https://developer.mastercard.com/open-finance-au/documentation/consent/index.md) page.

The Verification of Assets (VOA) report includes all bank accounts for an individual customer. It retrieves up to six months of transaction history for each account type that the customer has permissioned via Connect. This report only supports deposit account types such as Transactions, Savings, Term Deposits and Investments.

**Generate VOA Report**

API Reference: `POST /decisioning/v2/customers/{customerId}/voa`

#### Get VOA Report by Consumer {#get-voa-report-by-consumer}


API Reference: `GET /decisioning/v4/consumers/{consumerId}/reports/{reportId}`

#### Get VOA Report by Customer {#get-voa-report-by-customer}


API Reference: `GET /decisioning/v4/customers/{customerId}/reports/{reportId}`

Note: Get Report endpoints can both be used to obtain either JSON or PDF format reports.

To specify the format required, use `application/json` or `application/pdf` for the Accept request headers.

## Refreshing Reports {#refreshing-reports}

If the user's consent is still active and you require an updated verification of income report, you can request a new report by using the APIs rather than re-engaging with the customer.
Note: Since many Financial Institutions only post transactions once per day, calling the refresh reports APIs repeatedly is not recommended.

## Resources {#resources}

#### Report Example {#report-example}

You can view an example Verification of Assets report by downloading the following PDF:
[voa-report.pdf](https://static.developer.mastercard.com/content/open-finance-au/uploads/reports/voa-report.pdf) (77KB)