Yes — Pinwheel's deposit switching runs directly inside the Candescent digital banking experience your customers and members already use, so the switch happens in-flow rather than sending them to a separate form or portal. Bill switching is due to go live on the Candescent platform soon.

No custom build is required. Because Pinwheel is delivered through the Candescent partnership, institutions can access the same deposit switching infrastructure that powers leading digital banks without dedicating their own engineering capacity to it. That's the practical advantage for a bank or credit union on Candescent competing with neobanks that have far larger product teams.

Pinwheel is the only payroll connectivity provider that is FCRA-compliant, so the income and employment data supplied with Pinwheel Verify can be used in regulated decisioning workflows — not only deposit switching. Pinwheel builds direct integrations with payroll providers, so you can use real-time, source-of-truth data for decisioning. For institutions on Candescent, leveraging Pinwheel Verify for identity and underwriting use cases to support lending AND Pinwheel Deposit Switch to support direct deposit capture covers multiple business needs throughout the customer lifecycle.

Customers can initiate a switch on the spot — taking seconds to minutes depending on which Pinwheel conversion method they choose, and their direct deposit transfer will take effect the next pay cycle.