liabilities-api
(2)
Tomás Campos
Tomás Campos is the co-founder and CEO of Spinwheel, an Oakland-based fintech building agentic AI-powered credit data and payments infrastructure for the consumer debt market. A UC Berkeley and Haas School of Business graduate, he spent two decades in payments and commerce - growing Blackhawk Network's digital payments division into a $1.5 billion business and co-founding the conversational commerce startup FluidM, which was acquired by Westfield. He launched Spinwheel in 2019 after the consumer debt crisis touched his own family, aiming to make the fragmented world of loans and liabilities as accessible as open banking made bank accounts. In June 2025 the company raised a $30 million Series A led by F-Prime Capital.
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.