Connect a User

Authenticate a user, and connect their liabilities - all with a phone number and date of birth


Spinwheel provides the ability to authenticate and connect your users' liabilities via API.

Connect API - SMS

Connect a user via SMS

User input requirements for Connect:

  • ๐Ÿ“ฑ Mobile US based phone number
  • ๐Ÿ“† Date of birth
  1. Submit the user data and fire an SMS
  2. Verify the user via OTP Code

Connect API - KBA

Connect a user via KBA as a primary use case, or as a fallback to an unverified user

  1. Submit the user data for KBA
  2. Verify the user via KBA Questions and Answers

Connect Pre-Verified API

Check in with a Spinwheel representative to be sure this is the path for you

  1. Submit all Pre-verified user data for creation

To learn more about our debt APIs and 1-click solutions, visit

Whatโ€™s Next

Retrieve a User