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Spinwheel Raises $30 Million Series A to Transform the Consumer Credit Ecosystem with Real-Time Data and Agentic AI
Updated
Jun 23, 2025
Company has changed how $19.5T in U.S. consumer liabilities are accessed and managed through its credit data and payments platform
OAKLAND, Calif., June 23, 2025 /PRNewswire/ — Powering the future of the consumer credit ecosystem, Spinwheel is rewiring how consumer credit data is accessed, activated, and embedded into financial workflows. Today, the company announced the close of its $30 million Series A funding round, led by F-Prime with participation from QED Investors, Foundation Capital, and Fika Ventures. 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.
Today, the consumer credit ecosystem is buckling under the weight of legacy systems. U.S. consumer liabilities have reached $19.5 trillion – which is up from $13.3 trillion just a decade ago. Additionally, the average American holds between 10 to 14 credit accounts. Despite the scale, the infrastructure supporting credit data access and payments remains fragmented, slow, and riddled with friction for financial institutions, while consumers are left juggling multiple logins and outdated information.
“Financial providers are faced with immense customer service friction, high operational and acquisition costs, missing or outdated data sets and a cumbersome, disjointed experience for consumers who, in turn, are struggling to view, understand and manage numerous liability and credit accounts. We are transforming this challenge by building the foundational infrastructure to power the future of the consumer credit ecosystem,” said Tomás Campos, co-founder and CEO, Spinwheel. “We believe this is an enormous opportunity that will outpace open banking. With a focus on first principles and innovation, we will elevate our financial clients’ ability to deliver better credit outcomes to consumers like never before.”
Read the rest of the release here.
