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Industries > Personal Financial Management (PFM) Tools
Credit Insights Without the Friction.
Spinwheel delivers real-time credit context within personal financial management tools and lets consumers take action instantly — all with just a phone number and date of birth.
Build amazing personal finance management experiences, powered by Spinwheel.
Industries > PFM Tools
Credit Insights Without the Friction.
Spinwheel delivers real-time credit context within personal financial management tools and lets consumers take action instantly — all with just a phone number and date of birth.
Build amazing personal finance management experiences, powered by Spinwheel.
Problem
No Real-Time Context, Low
Customer Engagement.
Static bureau data, delayed updates, and disconnected workflows turn financial awareness into frustration, not progress.
Problem
No Real-Time Context, Low
Customer Engagement.
Static bureau data, delayed updates, and disconnected workflows turn financial awareness into frustration, not progress.
Problem
No Real-Time Context, Low Customer Engagement.
Static bureau data, delayed updates, and disconnected workflows turn financial awareness into frustration, not progress.
Solution
Move from Dashboards to Decision Engines.
Move from Dashboards to Decision Engines.
Provide personalized guidance in the moment — and let consumers act immediately on it — with real-time, permissioned credit
data and embedded payments.
Solution
Move from Dashboards to Decision Engines.
Provide personalized guidance in the moment — and let consumers act immediately on it — with real-time, permissioned credit
data and embedded payments.
Transform Your PFM with Real-time Context and Embedded Actions.
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Frictionless onboarding using phone number and date of birth
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Real-time credit card balances and monitoring
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Developer-first APIs that plug directly into existing workflows
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Live liability and credit data across every major debt category
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Embedded payments to cards, loans, and servicers
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Optional white-label experiences that feel native to your PFM app
Transform Your PFM with Real-time Context and Embedded Actions.
Frictionless onboarding using phone number and date of birth
Real-time credit card balances and monitoring
Developer-first APIs that plug directly into existing workflows
Live liability and credit data across every major debt category
Embedded payments to cards, loans, and servicers
Optional white-label experiences that feel native to your PFM app
Transform Your PFM with Real-time Context and Embedded Actions.
Frictionless onboarding using phone number and date of birth
Live liability and credit data across every major debt category
Real-time credit card balances and monitoring
Embedded payments to cards, loans, and servicers
Developer-first APIs that plug directly into existing workflows
Optional white-label experiences that feel native to your PFM app
Proven Results with Leading Fintechs.
✔️
Drove credit insights with zero customer friction
✔️
Increased conversion by 14% with real-time credit context
✔️
Enabled an average $150+ saved per month for consumers with real-time context from Spinwheel
✔️
Launched in production within hours, not weeks or months
Use Cases
Real-time Insights. Real Actions. Real Outcomes for Consumer.
Empower consumers with a real-time view of their entire verified debt profile
Empower consumers with a real-time view of their entire verified debt profile
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 32 40" xmlns="http://www.w3.org/2000/svg"><path d="M 0 16 C 0 7.163 7.163 0 16 0 C 24.837 0 32 7.163 32 16 C 32 24.837 24.837 32 16 32 C 7.163 32 0 24.837 0 16 Z" fill="rgb(247, 245, 242)" height="32px" id="Iot0ZiEtW" transform="translate(0 4)" width="32px"/><path d="M 8.058 0 L 14.194 6.135 M 14.194 6.135 L 8.058 12.272 M 14.194 6.136 L 0 6.136" fill="transparent" height="12.272px" id="ZRFhiyajK" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.1" stroke="rgb(0, 4, 26)" transform="translate(9.379 13.931)" width="14.19420689655171px"/></svg>)
Higher product stickiness and engagement
Higher product stickiness and engagement
Provide smarter repayment strategies with better analysis of card usage and balances
Provide smarter repayment strategies with better analysis of card usage and balances
Transparent and accurate data that consumers can trust
Transparent and accurate data that consumers can trust
Deliver personalized nudges and alerts based on live credit context, such as balance changes or utilization spikes
Deliver personalized nudges and alerts based on live credit context, such as balance changes or utilization spikes
Stronger differentiation and financial support compared to static PFM data
Stronger differentiation and financial support compared to static PFM data
Enable one-click embedded payments so consumers can take action in the moment
Enable one-click embedded payments so consumers can take action in the moment
Empowered consumers with instant ability to take action to improve their credit health
Empowered consumers with instant ability to take action to improve their credit health
Results that Consumers Can Not Just See, but Feel.
See how Spinwheel connects live credit data and real-time payments inside a PFM experience.
Results that Consumers Can Not Just See, but Feel.
See how Spinwheel connects live credit data and real-time payments inside a PFM experience.
Results that Consumers Can Not Just See, but Feel.
See how Spinwheel connects live credit data and real-time payments inside a PFM experience.
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