More than half of Americans have a poor credit score or no score at all. Since most institutions rely on traditional credit scoring to assess risk, that means these people can't access affordable products. Instead, they resort to high-interest credit cards, payday loans, and trigger overdraft fees to make ends meet — which ultimately push them into deeper cycles of debt. Pinwheel provides an API platform that makes it easy to connect payroll accounts like ADP and Gusto to any app. By unlocking the wealth of identity, income and employment data that sits in these systems, alongside direct access to paychecks, we can help innovators build the next generation of products that increase access for the underserved while improving the businesses of our partner fintechs, banks, and lenders.