Changelog

The future of data intake — automated, modular, and built for real-time decisioning.

Carousel PoS is a fully redesigned applicant intake interface that allows teams to collect, verify, and decision applicants instantly, with zero dev overhead. It’s not just a form — it’s an end-to-end orchestration layer for onboarding and qualification.

We built it to replace clunky PDFs, brittle webforms, and scattered intake tools — all with a single link.

What It Does

Carousel PoS connects the dots between applicant data, third-party services, and your internal decisioning — all in real time.

Key Capabilities:

Modular Step Flows:

Easily configure onboarding flows with steps like:

• Identity Verification (KYC/KYB)

• Financial Verification

• Income Verification

• Document Upload

• E-signatures

• Credit Check & Score Pull

• Custom Questions (text, multiple choice, conditional)

Rule-Based Decisioning:

Each step can trigger custom rules — instantly approve, flag, or reject based on values like account balance, income, or credit score.

Drop-in Integration:

Use Carousel’s own keys for services like Flinks, Equifax, Onfido, or plug in your own — no custom build required.

Bi-directional Sync:

All data can be pushed to your backend via secure webhooks, or pulled via API. Every applicant interaction is trackable.

Built for Compliance:

Fully encrypted, permissioned by role, and prepped for SOC 2, Law 25, and financial audits.

→ Timestamped audit trails

→ Step-by-step logging

→ Consent tracking baked in

Built-in Analytics:

Track drop-offs, step performance, approval rate, and processing time — right from the dashboard.

How It Works

1. You configure a flow.

   Drag-and-drop modules or use presets tailored to your use case (e.g. lending, leasing, onboarding).

2. You share a link.

   Embed it on your website, attach it to an SMS or email — your applicants click and complete the flow in minutes.

3. We handle the logic.

   Carousel runs validations, collects structured data, triggers rules, and sends it back to your system.

Why It Matters

Most companies stitch together 4–7 tools just to onboard one client.

Carousel PoS replaces that with a single, decision-ready flow — no form builders, no conditional logic hacks, no engineering backlog.

You’ll convert more applicants, reduce ops load, and move faster — all while staying compliant and in control.

Carousel is now fully optimized for U.S.-based workflows — with native Plaid support built in.

Whether you’re underwriting, onboarding, or verifying financial info in the U.S., you can now run your entire process through Carousel — from start to finish — using U.S.-specific providers, data formats, and compliance standards.

This update brings deeper integrations and more flexibility, making it easier than ever to scale your U.S. operations without extra dev work.

What’s New

Plaid Integration (Live)

You can now connect Plaid directly to any Carousel workflow — enabling:

• Instant bank account verification (IBV)

• Income and transaction access via Plaid’s Income / Auth / Transactions products

• Auto-triggered decisions based on Plaid data (e.g. balance > $X, employer match, deposit pattern, etc.)

Use your own Plaid keys, or use ours if you prefer a turnkey setup.

U.S.-Centric Decision Rules

Use real-time Plaid data to power underwriting logic like:

• Balance over $X in last 30 days

• Income received from approved employer list

• No NSFs in last 90 days

• Minimum recurring deposits

These rules are configurable without code and plug directly into your Carousel flow.

Faster Deployments for U.S. Teams

• Prebuilt U.S. intake templates (for lending, leasing, onboarding)

• Localized labels, document types, and default decision rules

• One-click webhook & CRM sync options for U.S.-based platforms

Why It Matters

If you’re building in the U.S., you need tools that speak the same language — legally, structurally, and technically.

Carousel now does that out of the box. This update brings U.S. compatibility not just to your forms, but to your entire intake and decisioning flow

Blazing-fast verifications — without waiting on third parties.

We’ve re-architected Carousel’s processing engine to support fully asynchronous workflows, allowing you to collect, verify, and decision applicant data in parallel — instead of waiting for each provider step to finish before moving forward.

The result?

Instant handoff. Faster decisions. Zero bottlenecks.

What’s New

Parallel Step Execution

Steps like KYC, IBV, credit checks, and document uploads can now be triggered simultaneously — cutting total processing time by up to 70%.

Example:

→ While Flinks verifies bank data, Carousel can collect ID docs, run fraud checks, and trigger rule-based scoring — all at once.

Instant Feedback, Deferred Sync

Applicants can now proceed through the entire flow without hitting “loading” blocks.

Even if third-party data is still processing in the background, Carousel securely syncs results as they arrive and applies decisions in real time.

Smarter Step Dependency Logic

You can now define when steps must be completed before others — or when they can run in parallel.

This gives you full control over flow speed and accuracy.

Retry & Timeout Handling (Built In)

Async steps include:

• Auto-retry on provider errors

• Timeout thresholds

• Fallback logic (e.g. if income check fails, request upload)

All without blocking the user.

Why It Matters

Most onboarding tools are linear by design — slowing your team down while they wait for third-party services to respond.

With Carousel’s new async engine, everything moves faster — and smarter — without compromising data integrity or decision quality.

Results From Early Access Clients:

• 70% reduction in average processing time

• 2.3× more completed applications per hour

• Fewer drop-offs, smoother UX, and happier ops teams