AI-powered platform enables real-time access to verified consumer credit data and embedded payment capabilities

Oakland, CA (February 19, 2026) – The American Fintech Council (AFC), the largest industry association representing both responsible fintech companies and innovative banks, announced the addition of Spinwheel as its newest member. Spinwheel is an AI-powered consumer credit data and payments platform that works with lenders, marketplaces, and financial technology companies to deliver real-time, verified debt data and payment functionality through APIs. As an AFC member, Spinwheel joins a network of financial leaders focused on operational efficiency, data transparency, and responsible innovation in financial services.

“Spinwheel’s platform addresses longstanding challenges in how consumer debt data is accessed and used,” said Phil Goldfeder, CEO of the American Fintech Council. “By reducing friction in data verification and enabling payment functionality within existing workflows, the platform supports more efficient operations and improved consumer experiences. We look forward to working with Spinwheel to expand access to responsible consumer credit and payment solutions.”

Spinwheel’s real-time consumer credit data and payments platform helps financial technology companies streamline how they access and act on consumer debt information. Its APIs provide verified account data and embedded payment functionality, allowing companies to manage, automate, and resolve debt directly within their own systems. Using credentialless technology that requires only a phone number and date of birth, Spinwheel simplifies workflows and helps partners deliver more transparent and actionable debt management capabilities.

“Spinwheel was built to create a more efficient foundation for consumer credit data and payments,” said Tomás Campos, Co-founder and CEO of Spinwheel. “By delivering verified data and payment capabilities across all major debt categories, we help financial institutions reduce operational burdens and provide tools that drive better outcomes for consumers. We’re excited to join the American Fintech Council alongside many of our clients, reflecting our commitment to advancing accessible, consumer-focused financial technology across the industry.”

A standards-based organization, the American Fintech Council (AFC) is the largest and most diverse trade association representing financial technology (fintech) companies and innovative banks. On behalf of over 150 member companies and partners, AFC promotes a transparent, inclusive, and customer-centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve underserved consumer segments and geographies.

About Spinwheel
Spinwheel, a real-time consumer credit data and payments AI company, is revolutionizing the consumer credit ecosystem. The company partners with lenders, marketplaces and personal financial management platforms to provide real-time, verified consumer credit data to process payments as part of their clients' existing workflow and operations via APIs and its agentic AI platform. Founded in 2019, Spinwheel has grown to more than 15 million users and 165 million accounts, facilitating $1.5 trillion in connected debt across its network. The company is backed by F-Prime, QED Investors, Foundation Capital, and Fika Ventures. To learn more, please visit spinwheel.io.

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