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

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