Overview

Consumer debt has never been more complex.

Spinwheel serves lenders, marketplaces, financial institutions, and personal finance platforms that need an accurate, up-to-date view of what consumers actually owe rather than outdated or partial information.

Through simple, developer-friendly APIs and agentic AI solutions, Spinwheel delivers permissioned, verified, and real-time consumer credit attributes and comprehensive liability data across every major debt category.

Our solutions enable you to link verified consumer financial and liability accounts in seconds, access a complete debt profile based on verified debt and credit data, and send instant, verified payments to any financial institution or servicer.

How Spinwheel Works

Every financial product you build depends on one thing: knowing what a consumer actually owes, and being able to act on it. Spinwheel is the platform that makes that possible — real-time credit data, verified liabilities, and embedded payments, delivered through a single API.

With just a phone number and date of birth, you can verify a consumer, pull a complete picture of every liability they hold, and keep that picture current — closing the gap between what a credit report says and what's true on an account today.

From there, Spinwheel lets you act. Direct connections run from the credit report file to the biller's payment rails, so you can pay down what a consumer owes precisely, and track every payment from the moment it's scheduled to the moment it lands.