Solutions
Earned wage and payroll-linked credit with evidence-based JSON
Health and burn endpoints for payroll-linked credit products that must explain affordability without storing unnecessary ledger replicas.
Payroll-linked products need affordability evidence that updates with each pay cycle. Structured endpoints give you repeatable artifacts for compliance while keeping architecture thin.
Consent and minimization
Only POST aggregates your agreements allow. Document which envelope fields you collect per jurisdiction and purge according to policy.
Separate earned wage access from optional credit features in your data model so disclosures map to the actual product path.
Employer of record edge cases
When employees change PEOs mid-cycle, pause automated pulls until new consent and routing numbers stabilize — envelopes during transition weeks mislead affordability.
Adverse action analogs
When your product declines or limits access, align customer communications to regulatory expectations in each state — JSON supports the rationale but does not replace compliant notices.
Monitoring cadence
Weekly envelopes during debt paydown phases catch re-borrowing spirals early; monthly may suffice for stable users with long tenure.