Spinwheel is rewiring how consumer credit data is accessed, activated, and embedded into financial workflows, with the closure of its $30 million Series A funding round. Spinwheel’s real-time consumer credit data and payments platform currently supports more than 15 million users and 165 million connected credit and liability accounts, facilitating over $1.5 trillion in consumer debt across its network. The new funding will accelerate development of its agentic AI platform, expand its data sets and product offerings, and scale its go-to-market team as it builds the foundational infrastructure to transform the consumer credit data and payments ecosystem. Spinwheel partners with lenders, marketplaces, personal financial management platforms, and other financial companies to provide real-time, verified consumer credit data to process payments as part of their clients’ existing workflow and operations via APIs. The company’s proprietary, credentialless technology requires only two data fields – phone number and date of birth – streamlining and simplifying user actions and delivering a more complete consumer credit profile, empowering financial clients to provide better financial products and a seamless experience for the consumer. Spinwheel’s clients see significant improvements in conversion rates, increased revenue, lower operational and acquisition costs, as well as mitigated risk.