Is your application ready when student loan payments resume? Get your embedded solution here.

No-code debt API that’ll
increase your bottom line

Our embedded finance solution enables your application to effectively access rich debt data with continuous account connectivity, directly refinance, automate payments, and intelligently manage debt. Help your customers achieve the best debt repayment impact for better financial health.

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    Grow loyalty and trust

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    Build meaningful experiences

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    Lower operational cost and increase revenue

Contact Sales
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The problem

Employee benefit platforms want to stand out with high value, unique perks to allow their employers to compete and win the talent wars. Adding debt management is a huge differentiator and highly desirable, but there are many inefficiencies due to lack of employee debt metadata. Usually, it would require a manual form of debt verification from employees, which can cause friction and lower account activation and engagement.

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The solution

Embed employee debt management to enable direct auto-payments and 127 pre-tax contributions. Increase employee engagement by 30% and launch quickly using our low-code drop-in module.

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The problem

Operational costs are high, eating into revenue. There needs to be a cost-effective way to improve engagement by increasing customer loyalty and stickiness.

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The solution

Increase your revenue and lower your operational costs with our embedded finance solution to get you live quickly. Be top of the wallet by embedding auto-payments for “found money.” Elevate your customer experience with our auto-debit, financial intelligence, and refinance capabilities to drive more revenue.

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The problem

Acquiring, engaging, and retaining members is challenging. Unreliable loan data and account connections and a lack of value-added finance capabilities make it difficult to develop loyal customers.

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The solution

Our consumer debt API comes in a low-code drop-in module to help you launch a customized experience fast. Embedded payments, refinance, and intelligence is all powered by our rich real-time data with continuous connectivity. Need more flexibility? Use our debt API to build a completely tailored financial solution designed for your members.

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The problem

Lenders need to improve their conversion funnel, engagement and streamline the payments process for refinancing. Often, the process for repayment and refinancing becomes messy and unorganized.

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The solution

Our API gives you the embedded debt solution for personalized, fast, and easy refinance. Gain the ability to pay off existing lenders in real-time, and get alerts every time your current borrower is ready for refinancing plus. Streamline pre-qualifications and grow your revenue by joining our refinance network and getting in front of millions of borrowers.

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The problem

Managing default risk is a key capability for a successful lending book.

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The solution

Lenders can lower risks and decrease their default rates on each loan with improved credit card debt transparency. Our debt API allows lenders to connect with the borrower’s credit card issuer to either refinance or consolidate and pay down the debt, making payments directly to existing debts rather than writing checks. This capability lowers default rates and improves margins.

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The problem

There are numerous competing loyalty, rewards, and cashback programs in a similar industry, making it hard to build loyalty, user engagement, and meaningful points value.

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The solution

Uniquely increase your brand loyalty and engagement by making points redeemable towards paying down debt, which has more economic, emotional, and psychological value. Increase your customer engagement and acquisition 4x by letting borrowers and their loved ones use their points to pay down debt.

Increase your engagement and user acquisition by offering this unique feature that can help 80% of Americans.

Want more debt API fun?

Check out our free sandbox environment and create debt API awesomeness.

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spinwheel api