Spinwheel

Oakland, California, USA · ≈72 employees · spinwheel.io

Spinwheel is a fintech company based in Oakland, California, founded in 2019. It specializes in real-time consumer credit data and payments infrastructure, offering a low-code API platform that integrates financial services into existing applications and marketplaces. Spinwheel's mission is to enhance the consumer credit ecosystem by simplifying debt management and improving borrower outcomes. The company provides a range of services through its Debt API Platform, which includes real-time data activation, seamless payment processing, and various API modules for managing loans, balance transfers, and pre-qualifications. Powered by agentic AI, Spinwheel's platform automates user authentication, data retrieval, and payment facilitation, enabling financial institutions to operate more efficiently. Spinwheel serves a diverse clientele, including financial institutions and fintech platforms like Monarch, NerdWallet, and NASA Credit Union. The company aims to increase access to debt data and payment solutions, reduce operational costs for lenders, and help consumers manage their debts more effectively.