# Spinwheel

> Spinwheel is an Oakland-based fintech that provides real-time consumer credit data and embedded-payments infrastructure through developer APIs. Using a credentialless approach that needs only a phone number and date of birth, Spinwheel lets lenders, personal-finance apps, and debt-management companies connect, verify, and act on a consumer's debts and liabilities. The platform supports the full consumer-credit lifecycle - from segmentation and prequalification to disbursement, management, and payment - and, as of its 2025 Series A, powers more than 15 million users and 165 million connected accounts representing over $1.5 trillion in connected debt.

- **Founded:** 2019
- **Headquarters:** Oakland, California, United States
- **Founders:** Tomás Campos (Co-Founder & CEO), Tushar Vaish (Co-Founder & CTO), Rajiv Appana (Co-Founder)
- **Team size:** ~70 employees
- **Products:** Spinwheel Connect, Spinwheel Profile, Spinwheel Pay, Credit Data AI Lab
- **Notable:** Grew to 15M+ users and 165M+ connected accounts by 2025, Facilitates over $1.5 trillion in connected debt across its network, Raised $30M Series A led by F-Prime in June 2025

## Products & services

- **Spinwheel Connect** — Links verified consumer financial and liability accounts in seconds using a credentialless flow.
- **Spinwheel Profile** — Returns verified debt and credit data from just a phone number and date of birth.
- **Spinwheel Pay** — Sends instant, verified payments directly to financial institutions and loan servicers.
- **Credit Data AI Lab** — An agentic-AI environment for financial innovators to build on real-time, verified credit data.

## Achievements

- Grew to 15M+ users and 165M+ connected accounts by 2025
- Facilitates over $1.5 trillion in connected debt across its network
- Raised $30M Series A led by F-Prime in June 2025
- Operates as a licensed Consumer Reporting Agency (CRA)
- Pioneered a credentialless connection using only phone number and date of birth

## Latest updates

- **2025-06** — Closed a $30M Series A led by F-Prime to accelerate its agentic-AI platform and go-to-market team.
- **2025-06** — Reported surpassing 15M users, 165M connected accounts, and $1.5T in connected debt.
- **2025** — Launched the Credit Data AI Lab for building agentic-AI solutions on verified credit data.

## Links

- Website: https://spinwheel.io
- LinkedIn: https://www.linkedin.com/company/spinwheelapi
- Twitter/X: https://twitter.com/spinwheelapi
- Facebook: https://facebook.com/spinwheelapi/

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Profile page: https://yespress.io/spinwheel
Published by YesPress — https://yespress.io
Last updated: 2026-07-10