Overview

The Network Token is intended to provide you with the ability to interface with other Spinwheel partners as it relates to passing leads, reducing authentication friction, decreasing costs, and reducing redundant data pulls for a connected user.

Partner Configuration

All partners using the Network Tokens will be required to have a configuration added to their partner setup to ensure they have access to the specific API functionalities. The Network Token process works on a Producer-Consumer relationship, which ensures that Tokens are not accessible between partners who have not consented to interact with Network Token data.

Please confirm with your Spinwheel representative which partners you expect to be interfacing with using the Network Token.

Token Generation

When you are enabled as a Network Token producer, your default /v1/users call to fetch the user data will return with the Network Token in the value of data.networkToken. Each new successfully connected user through the connect endpoints (connect-SMS, connect-KBA, connect-preverified) will subsequently return a Network Token to that field on the /v1/users endpoint.

The token expires 5 years after creation.

User Creation From a Network Token

As a consumer of the Token you will need to follow the API steps outlined here. As shown in the API, you will need to provide some user data as confirmation that you have the required consent to connect this user, which means the producer will need to provide some supporting details alongside the Token, such as date of birth, last four digits of the social security number, and an audit object of the user consent date.

Assuming all fields have been provided correctly, the noted API will trigger a user creation for that Network Token and will contain all of the data fields as if the user completed the connect steps above. This user will now be eligible to have a credit report, score, and other features enrolled on the Spinwheel platform under your partner.