Spinwheel

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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Fintech
- Credit Data
- Debt
- Liabilities
- Payments
- Embedded Finance
created: '2026-06-20'
modified: '2026-06-20'
specificationVersion: '0.19'
apis:
- aid: spinwheel:credit-data
  name: Spinwheel Credit Data API
  tags:
  - Credit Data
  - Debt Profile
  - Equifax
  - Credit Report
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.spinwheel.io/reference/order-equifax-report
  baseURL: https://api.spinwheel.io/v1
  properties:
  - url: https://docs.spinwheel.io/docs/getting-started-1
    type: Documentation
  - url: https://docs.spinwheel.io/reference/order-equifax-report
    type: APIReference
  - url: openapi/spinwheel-openapi.yml
    type: OpenAPI
  - url: collections/spinwheel.postman_collection.json
    type: PostmanCollection
  - url: collections/spinwheel.opencollection.json
    type: OpenCollection
  description: Orders an Equifax-backed debt profile for a connected user and retrieves
    the resulting credit report (including a PDF report), surfacing the user's tradelines
    and credit data for downstream debt and payment workflows.
- aid: spinwheel:liabilities-debt
  name: Spinwheel Liabilities & Debt API
  tags:
  - Liabilities
  - Loans
  - Refresh
  - Payoff Quote
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.spinwheel.io/docs/user-connect
  baseURL: https://api.spinwheel.io/v1
  properties:
  - url: https://docs.spinwheel.io/docs/user-connect
    type: Documentation
  - url: https://docs.spinwheel.io/reference/create-subscription
    type: APIReference
  - url: openapi/spinwheel-openapi.yml
    type: OpenAPI
  - url: collections/spinwheel.postman_collection.json
    type: PostmanCollection
  - url: collections/spinwheel.opencollection.json
    type: OpenCollection
  description: Requests and polls real-time liability data (balances, rates, payoff
    quotes) across credit cards, student, auto, home, personal, and miscellaneous
    liabilities, with patch-level updates and recurring debt-profile refresh subscriptions.
- aid: spinwheel:payments
  name: Spinwheel Payments API
  tags:
  - Payments
  - Bank Accounts
  - Transactions
  - ACH
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.spinwheel.io/docs/payments-process
  baseURL: https://api.spinwheel.io/v1
  properties:
  - url: https://docs.spinwheel.io/docs/payments-process
    type: Documentation
  - url: https://docs.spinwheel.io/reference/create-subscription
    type: APIReference
  - url: openapi/spinwheel-openapi.yml
    type: OpenAPI
  - url: collections/spinwheel.postman_collection.json
    type: PostmanCollection
  - url: collections/spinwheel.opencollection.json
    type: OpenCollection
  description: Creates and manages bank-account-funded payment requests, payers, and
    transactions, letting partners originate payments toward a connected user's
    liabilities and reconcile their status.
- aid: spinwheel:users-modules
  name: Spinwheel Users & Modules API
  tags:
  - Users
  - Connect
  - SMS
  - KBA
  - Modules
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.spinwheel.io/docs/user-connect
  baseURL: https://api.spinwheel.io/v1
  properties:
  - url: https://docs.spinwheel.io/docs/user-connect
    type: Documentation
  - url: https://docs.spinwheel.io/docs
    type: APIReference
  - url: openapi/spinwheel-openapi.yml
    type: OpenAPI
  - url: collections/spinwheel.postman_collection.json
    type: PostmanCollection
  - url: collections/spinwheel.opencollection.json
    type: OpenCollection
  description: Connects and manages the user that is the foundation of every Spinwheel
    workflow - via SMS OTP, knowledge-based authentication (KBA), pre-verified phone,
    user profile, or a partner network token - plus the drop-in modules that render
    these flows.
- aid: spinwheel:webhooks
  name: Spinwheel Webhooks API
  tags:
  - Webhooks
  - Events
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.spinwheel.io/docs/webhooks
  baseURL: https://api.spinwheel.io/v1
  properties:
  - url: https://docs.spinwheel.io/docs/webhooks
    type: Documentation
  - url: https://docs.spinwheel.io/docs/webhooks
    type: APIReference
  - url: openapi/spinwheel-openapi.yml
    type: OpenAPI
  - url: collections/spinwheel.postman_collection.json
    type: PostmanCollection
  - url: collections/spinwheel.opencollection.json
    type: OpenCollection
  description: Registers and manages webhook endpoints and headers, delivering event
    notifications such as subscription, credit-profile transaction, refresh, payment,
    refinance, bank-account-lookup, and payoff-quote status changes.
common:
- 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
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com