Case Study: Sweep achieves automated ACH savings and a 40-hour market launch with Dwolla's White Label API

How Dwolla's White Label ACH API quickly allowed a fintech platform to get to market

Sweep is a consumer fintech that helps millennials save by organizing funds into goal-based “buckets,” but it lacked the ability to automate bank-to-bank transfers because of regulatory, compliance, and time-to-market hurdles. Facing an aggressive launch timeline and no robust payments partner, Sweep turned to Dwolla and its White Label API to add ACH transfers and payments functionality without building a proprietary banking infrastructure.

Dwolla provided a white‑label ACH solution (plus event‑based webhooks and compliance services) that Sweep deeply integrated, allowing the team to build the payments flow in roughly 40 hours, test live payments within days, and complete production testing in time to announce the product at Money20/20. By outsourcing payments and compliance to Dwolla, Sweep avoided holding customer funds, reduced regulatory risk and costs, and delivered a seamless, branded automated savings experience to users.

Sweep

Jackson Gates

CEO & Co-Founder