Pinwheel

1. User initiates loan application.

2. Application uses Pinwheel Link to connect to user's payroll account.

3. Pinwheel API retrieves income data.

4. Loan application automatically verifies income and approves/rejects application.

1. User opens new bank account.

2. Bank uses Pinwheel Switch Kit to initiate direct deposit switch.

3. User authenticates with their payroll provider through Pinwheel Link.

4. Pinwheel automatically updates direct deposit settings with the payroll provider.

1. User connects payroll account through Pinwheel.

2. Pinwheel API analyzes income and spending patterns.

3. Bank generates personalized financial product recommendations (e.g., savings accounts, credit cards).

4. User receives tailored offers based on their financial profile.

1. User connects payroll account through Pinwheel.

2. Pinwheel API monitors employment status.

3. Bank receives alerts for job changes or income fluctuations.

4. Bank adjusts credit limits or offers support based on real-time employment data.

1. User connects payroll account through Pinwheel.

2. Pinwheel API identifies recurring bills.

3. Bill payment app automatically sets up and manages bill payments.

4. User can track and control bill payments from a single dashboard.