# Spinwheel

**Canonical:** https://apis.io/providers/spinwheel/  
**Website:** https://www.spinwheel.io  
**APIs profiled:** 7

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.

## Kin Score — 31.6 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 31.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 50.1 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 19.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (7)

- **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.

## Agentic access (1)

- **Spinwheel Agentic Access** — 36 operations · 24 acting

## Security (2)

- **Spinwheel Authentication** — http · 1 scheme
- **Spinwheel Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Spinwheel Plans Pricing**

## Tags

Fintech, Credit Data, Debt, Liabilities, Payments, Embedded Finance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/spinwheel/). Scores are computed from the provider's own public artifacts under a published rubric.