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Full detail: Where this data comes from
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.
APIs.json: https://raw.githubusercontent.com/api-evangelist/spinwheel/refs/heads/main/apis.yml
- Fintech
- Credit Data
- Debt
- Liabilities
- Payments
- Embedded Finance
- Created: 2026-06-20
- Modified: 2026-06-20
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.
- Human URL: https://docs.spinwheel.io/reference/order-equifax-report
- Base URL:
https://api.spinwheel.io/v1
- Credit Data
- Debt Profile
- Equifax
- Credit Report
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.spinwheel.io/docs/user-connect
- Base URL:
https://api.spinwheel.io/v1
- Liabilities
- Loans
- Refresh
- Payoff Quote
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.spinwheel.io/docs/payments-process
- Base URL:
https://api.spinwheel.io/v1
- Payments
- Bank Accounts
- Transactions
- ACH
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.spinwheel.io/docs/user-connect
- Base URL:
https://api.spinwheel.io/v1
- Users
- Connect
- SMS
- KBA
- Modules
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
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.
- Human URL: https://docs.spinwheel.io/docs/webhooks
- Base URL:
https://api.spinwheel.io/v1
- Webhooks
- Events
- Notifications
- Documentation
- API Reference
- OpenAPI — OpenAPI Specification
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
FN: Kin Lane Email: kin@apievangelist.com