Common Use Cases

From acquisition to underwriting to repayment, Spinwheel powers real-time credit data, verified credit profiles, and embedded payments for every stage. Common use cases include:

• Prequalification: Verify consumers and access permissioned credit data, liabilities, scores, and real-time signals to assess fit, personalize, and route consumers earlier in the journey.
• Product Matching and Personalization: Use a consumer’s credit profile, liabilities, balances, APRs, and other signals to match them with more relevant financial products, offers, and experiences.
• Liability Payoff and Repayment: Pay down or pay off consumer credit accounts using verified liability and creditor data, payment routing, and payment tracking.
• Balance Transfers: Identify eligible credit card debt and enable consumers to transfer balances as part of a new credit product or financial experience.
• Credit and Liability Aggregation: Verify consumers and aggregate their credit accounts and liabilities into a comprehensive financial profile without requiring manual account linking.
• Ongoing Financial Engagement: Refresh credit and liability information over time to power experiences based on changes in balances, rates, utilization, accounts, and other financial events.
• Card and Wallet Experiences: Discover and identify a consumer’s cards, enrich them with card details and real-time signals, and power wallet, checkout, and card-selection experiences.