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.