Spinwheel website screenshot

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 API contracts indexed 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.

The Spinwheel catalog on APIs.io includes 1 Spectral governance ruleset.

Spinwheel’s developer surface includes authentication, documentation, engineering blog, and 8 more developer resources.

🌐 Visit website📡 Profile data on GitHub
24.3/100 emerging ▬ flat Agent 20/100 agent aware Front door AI 6/6 dominant Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →
AccessFreemiumSelf serve⚡ Free to try
1 published contract
FintechCredit DataDebtLiabilitiesPaymentsEmbedded Finance

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Developer Platform & API Ecosystem Management
BC-4270
Webhooks
POST /v1/webhooks GET /v1/webhooks PATCH /v1/webhooks/{webhookId}

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0
Composite quality — 24.3/100 · emerging
Contract Quality 8.0 / 19
Developer Ergonomics 4.8 / 15
Access Clarity 0.6 / 15
Operational Transparency 0.7 / 10
Contract Governance 1.2 / 9
Discoverability 5.0 / 8
Regulatory Posture 0.8 / 15
Create-or-Update Ergonomics 0.0 / 10
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 Well-Known Document 0 / 5
Pagination 5 / 5
Distinct Operations 3 / 3
MCP Tool Quality 6 / 6
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.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Show this score on your site. Kin Score badge preview for Spinwheel It updates itself when the score changes. Paste this where you link to your API docs: 
<a href="https://apis.io/providers/spinwheel/"><img src="https://apis.io/badge/spinwheel/card.svg" alt="Spinwheel on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
Agent readiness — checks not met, largest first (exact, from this profile):
9 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.
Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →
Ask about:
Spinwheel · a person reads this and replies by email.
or email info@apis.io
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/spinwheel/apis.yml: open an issue on github.com/api-evangelist/spinwheel to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI
measured — observed by APIs.io (published)

APIs 7

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

Spinwheel Bank Accounts API

Add and manage user bank accounts.

Spinwheel Credit Data API

Order and retrieve Equifax-backed debt profiles and credit reports.

Spinwheel Liabilities API

Request, poll, and update liability data and refresh subscriptions.

Spinwheel Payments API

Manage payment requests, payers, and transactions.

Spinwheel Reference API

Constants and vehicle reference data.

Spinwheel Users API

Connect and manage users via SMS, KBA, phone, profile, or network token.

Spinwheel Webhooks API

Register and manage webhook endpoints.

Scroll for all 7

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Spinwheel Embedded Debt Solutions Bank Accounts API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions Bank Accounts Credit Data API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions Bank Accounts Liabilities API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions Bank Accounts Payments API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions Bank Accounts Reference API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions Bank Accounts Users API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions Bank Accounts Webhooks API

OPEN COLLECTION

Spinwheel Embedded Debt Solutions API

OPEN COLLECTION

Scroll for all 8

Spinwheel API pricing

Not yet checked against Spinwheel's own pricing page. Compiled by API Evangelist on 2026-06-20 from spinwheel.io/; confirm before you rely on a figure. A free plan or tier is listed.

PlanPrice
Sandbox free Free
Partner (Production) enterprise —

Plan details, limits and sources →

Rate limits

Compiled by API Evangelist, not yet checked against Spinwheel's documentation. All 4 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Spinwheel Plans Pricing

2 plans

PLANS

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.

Spinwheel Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Spinwheel API Rules

53 rules · 50 error-severity 2 warn-severity 1 info-severity

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Spinwheel Authentication

http · 1 scheme

SECURITY

Spinwheel Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Spinwheel Agentic Access

36 operations · 23 acting

36 operations · 23 acting

AGENTIC

Resources

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
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap

Source (apis.yml)

apis.yml Raw ↑ 
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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/spinwheel.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
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: CapabilityMap
  url: capabilities/spinwheel-capability-edges.yml
  name: Spinwheel Business Capability Map
- 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

Spinwheel API — frequently asked questions

Does Spinwheel have an API?

Yes. APIs.io lists 7 APIs from Spinwheel, including Spinwheel Bank Accounts API, Spinwheel Credit Data API and Spinwheel Liabilities API, and 4 more.

Is there an OpenAPI specification for the Spinwheel API?

Yes. APIs.io indexes 7 OpenAPI specifications for Spinwheel, each linked for download from this page.

How do I authenticate with the Spinwheel API?

Spinwheel uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Spinwheel Authentication.

How much does the Spinwheel API cost?

APIs.io lists 2 pricing plans for Spinwheel, with each plan's price, limits and inclusions under Pricing on this page.

Is the Spinwheel API ready for AI agents?

Spinwheel has a Kin Score of 24.3 out of 100 (emerging) and an Agent Readiness score of 19.6 (agent-aware), scored by API Evangelist on 2026-11-13.

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