Building the income and employment data layer for financial services, with Pinwheel CEO Kurtis Lin

In this conversation, we chat with Kurtis Lin, the co-founder &
CEO of Pinwheel, a leading payroll connectivity API. The son of two
immigrant parents, Kurt saw how the lack of credit history created
a greater struggle for them to access and secure financial
products. This experience became a driving force for him and his
co-founders to create Pinwheel. Kurt has been involved in multiple
startup acquisitions, first Idean and later with Luxe. Following
Luxe’s acquisition by Volvo, he received an HSA and experienced
similar challenges to those of his parents. He realized if you
didn’t have money to pre-fund an account - which most Americans
don’t - opening an HSA was basically impossible. Kurt and his
co-founders set out to create a more automated HSA process and soon
realized the key problem was actually inaccessibility to the data
and controls in payroll systems. Thus Pinwheel was born with the
mission to build a fairer financial system. More specifically, we
touch on the journey to building a fintech API infrastructure play,
integrating inset payroll systems via APIs, the demise of payday
lenders, and so so much more!Disclaimer here — this newsletter does
not provide investment advice and represents solely the views and
opinions of FINTECH BLUEPRINT LTD. Contributors: Lex, Laurence,
Matt, Farhad, Mike, Daniella Want to discuss? Stop by our Discord
and reach out here with questions.