# The all-in-one verification platform

Verify identity, employment, income, credentials, and more — all from a single API.

## Identity safeguards for the digital world

### Powerful lifecycle controls
Increase portfolio profitability with personalized offers and experiences.

#### Reduce fraud and manual errors
- Get source of truth income & employment data directly from payroll providers
- Use document scanning to detect common fraudulent patterns
- Enrich controls for critical processes like KYC and identify-verified direct deposit switching

#### Direct deposit allocation monitoring
- Pinwheel is a Consumer Reporting Agency (CRA)
- You can use the customer’s verified income data for FCRA-permissible purposes
- Power customer growth with pre-qualified credit offers
- Get real-time alerts on full income picture, including non-traditional income sources

#### Get repayment via Direct Deposit
- Pinwheel makes direct deposit set-up easy within your approval flow
- Make repayment by direct deposit a condition of your loan
- Gate specific products or preferred terms behind a direct deposit set-up requirement

## FAQs: Pinwheel Verify

**What is Pinwheel Verify?**  
Pinwheel Verify is an all-in-one identity, income and employment verification platform that gives financial institutions, lenders, HR platforms, property managers, and professional networks instant, API-based access to source of truth data — pulled directly from payroll providers.

**What data does Pinwheel Verify return, and what are the use cases for each?**  
Pinwheel Verify returns four primary data types:

1. **Identity Data:** Full name, date of birth, last four SSN digits, home address, email addresses, and phone numbers.
2. **Employment Data:** Employer name, employer address, employment start date, employment status, job title, and termination date.
3. **Income Data:** Compensation amount, pay frequency, and currency.
4. **Paystub Data:** Gross pay, net pay, year-to-date earnings, earnings breakdown by category, and deductions.

**How does Pinwheel Verify differ from traditional income and employment verification methods?**  
- Document-based verification falls short due to ease of falsification.
- Traditional database services have long cycle times and outdated data.
- Phone-based verification is slow and limited to business hours.

**What performance improvements do lenders see when using Pinwheel Verify?**  
- 35% improvement in average underwriting cycle time
- 27% decrease in cases of income fraud
- 6% average reduction in credit losses

**What industries and verticals use Pinwheel Verify?**  
- Digital Banking and Lending
- Real Estate and Property Management
- HR and Hiring Platforms
- Tax and Financial Services

**Is Pinwheel Verify FCRA-compliant? What does that mean for lenders?**  
- Yes, it can be used for regulated credit purposes.

**How does Pinwheel Verify support fraud prevention?**  
- Provides source-of-truth data from payroll providers.
- Offers document scanning with fraud pattern detection.

**How does Pinwheel Verify integrate with a lender's existing workflow?**  
- Delivered via REST API for easy integration with existing systems.