Overview
Pinwheel is an API platform designed to connect applications to payroll accounts, enabling real-time access to income and employment data. The platform provides tools for direct deposit switching, income verification, and bill switching. It uses RESTful principles and JSON encoding for request and response payloads, ensuring secure communication via HTTPS. Pinwheel offers different modes (sandbox, development, production) to facilitate integration and testing. Its API supports versioning through custom HTTP headers, allowing developers to manage compatibility. Key features include account identification, link token management, and job tracking. The API returns data such as employment history, income streams, and direct deposit allocations, aiding in customer financial profile analysis. Pinwheel aims to improve activation rates and provide ongoing customer insights beyond traditional banking data.