Case Study: SQRL achieves automated, step-based savings with Dwolla

Walk Into Savings With SQRL

SQRL is a physical and financial wellness app that helps users build savings by moving money between their checking and savings accounts when they meet step goals. To automate ACH transfers tied to Apple Health and Google Fit data and to solve a habit‑formation and low‑savings problem, SQRL integrated payment and verification services, choosing Dwolla for ACH payments (including Dwolla IAV) alongside Plaid for bank verification.

Dwolla’s ACH API and IAV provided an easy-to-integrate, scalable payments backbone and responsive support, enabling SQRL to launch its consumer product and acquire hundreds of customers. With Dwolla handling secure transfers, SQRL can auto-save amounts like $5 on days users exceed 10,000 steps (or frame corporate payouts at about $1 per 10,000 steps, roughly $300/year), and confidently expand into corporate wellness programs and new app features.

SQRL

Om Suthar

Chief Executive Officer & Founder