Spinwheel

Spinwheel is an embedded credit and debt data platform. Its REST API and drop-in modules connect a consumer (via SMS, KBA, phone, or network token), pull an Equifax-backed debt profile across credit cards, student, auto, home, and personal loans, refresh real-time liability balances and payoff quotes, and originate bank-account-funded payments - all surfaced to partners as user-scoped endpoints and webhook events.

Spinwheel publishes 7 APIs on the APIs.io network, including Bank Accounts API, Credit Data API, Liabilities API, and 4 more. Tagged areas include Fintech, Credit Data, Debt, Liabilities, and Payments.

Spinwheel’s developer surface includes authentication, documentation, engineering blog, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

31.6/100 thin ▬ flat Agent 20/100 agent aware Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessFreemiumSelf serve⚡ Free to try

7 APIs

Fintech Credit Data Debt Liabilities Payments Embedded Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 31.6/100 · thin

Contract Quality 10.6 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 4.9 / 17

Operational Transparency 3.5 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/spinwheel: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Spinwheel Rate Limits

4 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Source (apis.yml)

aid: spinwheel
url: https://raw.githubusercontent.com/api-evangelist/spinwheel/refs/heads/main/apis.yml
name: Spinwheel
kind: company
description: Spinwheel is an embedded credit and debt data platform. Its REST API and drop-in modules connect a consumer (via
  SMS, KBA, phone, or network token), pull an Equifax-backed debt profile across credit cards, student, auto, home, and personal
  loans, refresh real-time liability balances and payoff quotes, and originate bank-account-funded payments - all surfaced
  to partners as user-scoped endpoints and webhook events.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/spinwheel.png
tags:
- Fintech
- Credit Data
- Debt
- Liabilities
- Payments
- Embedded Finance
created: '2026-06-20'
modified: '2026-06-20'
specificationVersion: '0.23'
apis:
- aid: spinwheel:spinwheel-bank-accounts-api
  name: Spinwheel Bank Accounts API
  description: Add and manage user bank accounts.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
- aid: spinwheel:spinwheel-credit-data-api
  name: Spinwheel Credit Data API
  description: Order and retrieve Equifax-backed debt profiles and credit reports.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - Credit Data
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-credit-data-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
- aid: spinwheel:spinwheel-liabilities-api
  name: Spinwheel Liabilities API
  description: Request, poll, and update liability data and refresh subscriptions.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - Liabilities
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-liabilities-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
- aid: spinwheel:spinwheel-payments-api
  name: Spinwheel Payments API
  description: Manage payment requests, payers, and transactions.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
- aid: spinwheel:spinwheel-reference-api
  name: Spinwheel Reference API
  description: Constants and vehicle reference data.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - Reference
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-reference-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
- aid: spinwheel:spinwheel-users-api
  name: Spinwheel Users API
  description: Connect and manage users via SMS, KBA, phone, profile, or network token.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-users-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
- aid: spinwheel:spinwheel-webhooks-api
  name: Spinwheel Webhooks API
  description: Register and manage webhook endpoints.
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/spinwheel-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.spinwheel.io/docs/getting-started-1
  - type: APIReference
    url: https://docs.spinwheel.io/reference/order-equifax-report
  - type: PostmanCollection
    url: collections/spinwheel.postman_collection.json
  - type: OpenCollection
    url: collections/spinwheel.opencollection.json
  - type: Documentation
    url: https://docs.spinwheel.io/docs/user-connect
  - type: APIReference
    url: https://docs.spinwheel.io/reference/create-subscription
  - type: Documentation
    url: https://docs.spinwheel.io/docs/payments-process
  - type: APIReference
    url: https://docs.spinwheel.io/docs
  - type: Documentation
    url: https://docs.spinwheel.io/docs/webhooks
  - type: APIReference
    url: https://docs.spinwheel.io/docs/webhooks
common:
- type: AgenticAccess
  url: agentic-access/spinwheel-agentic-access.yml
- type: DomainSecurity
  url: security/spinwheel-domain-security.yml
- type: Authentication
  url: authentication/spinwheel-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/spinwheel
- type: Website
  url: https://www.spinwheel.io
- type: Documentation
  url: https://docs.spinwheel.io
- type: Plans
  url: plans/spinwheel-plans-pricing.yml
- type: RateLimits
  url: rate-limits/spinwheel-rate-limits.yml
- type: FinOps
  url: finops/spinwheel-finops.yml
- url: https://www.spinwheel.io/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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