Pinwheel Deposit Switch API
The Pinwheel Deposit Switch API automates moving a customer's direct deposit allocations from one financial institution to another by connecting directly to 17,000+ payroll providers. The product combines PreMatch (credential-less I-9 matching covering ~40% of U.S. workers), NativeLink (device-saved credentials), and Forms (pre-filled submission templates) routed by a Prime algorithm that picks the highest-converting path per user. Banks, credit unions, and fintechs use it to win banking primacy through 2X conversion lifts, 65% faster funding, and double-digit increases in average balance and lifetime value.