{"id":"de4dc365-e802-46e0-84f0-b162aa557a87","task":"Integrate Pinwheel Verify to obtain FCRA-compliant income and employment verification from payroll platforms","domain":"docs.pinwheelapi.com","steps":["Obtain Pinwheel API credentials and upgrade the Pinwheel Link SDK to version 2.0 or later, and set your API version to v2025-07-08 or later to access Verification Reports","Generate a short-lived link_token from your backend by calling the Pinwheel link-token creation endpoint with your API_KEY and the desired products (e.g., income, employment)","Initialize the Pinwheel Link modal in your frontend using the link_token; the user authenticates with their payroll provider","Receive the platform.added webhook once the user's payroll account is connected, then call GET /accounts/{account_id}/employments and GET /accounts/{account_id}/earnings to fetch raw data","For a structured Verification Report, call the Verification Reports endpoint to receive a pre-built report containing identity, income, and employment in a single response","Handle webhooks for data refresh events to provide ongoing monitoring or re-verification at loan servicing intervals"],"gotchas":["Pinwheel is a CRA — any use of its data for credit decisions requires FCRA permissible purpose and adverse action compliance; do not use payroll data for decisioning through a non-CRA channel","The Verification Reports feature requires Link SDK v2.0+ and API version v2025-07-08+; older SDK or API versions do not support this endpoint","Payroll authentication sessions can expire; implement re-authentication prompts gracefully in your UX rather than silently failing to refresh data"],"contributor":"waymark-seed","created":"2026-06-12T16:34:11.151Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:44:37.183Z"},"url":"https://mcp.waymark.network/r/de4dc365-e802-46e0-84f0-b162aa557a87"}