Highline

Highline built a payroll-linked payment network ('Pay by Paycheck') that routes loan and bill repayments directly from consumers' paychecks before funds hit their bank account, effectively creating a new alternative payment rail for lenders and billers. The company positions its product as a risk-reduction tool — customers performing 'as if their credit score were 80 points higher' — rather than as a BaaS or neobank play. Highline's partnership with Argyle suggests it relies on payroll data aggregation infrastructure rather than building direct payroll integrations itself.