US Fintech Spinwheel consumer credit data platform Raises $30M Series A in F‑Prime‑Led Round

Spinwheel’s consumer credit data platform secured $30 million in Series A funding led by F‑Prime, empowering its consumer credit data platform and agentic AI tools used by enterprises like Monarch, NerdWallet, and NASA Credit Union.

Spinwheel, a U.S. fintech player reshaping consumer credit data platform, just pulled in a $30 million Series A. F‑Prime led the round, joined by QED Investors, Foundation Capital, and Fika Ventures, according to PR. The new capital? It’s going straight toward scaling Spinwheel’s agentic AI platform built to fire off real-time balance updates and payment nudges using only a phone number and birthdate. Big names already using the tech: Monarch, NerdWallet, even NASA Credit Union.

The investment feels like a turning point for Fintech and Financial Services. It’s a clear bet on Spinwheel’s approach. The platform already links up 165 million liability accounts across 15 million users and moves more than $1.5 trillion in consumer debt. With this investment, Spinwheel reinforces its position as a consumer credit data platform leader capable of transforming how debt data is surfaced, analyzed, and acted upon. Now, with fresh capital in hand, CEO Tomás Campos says the plan is clear: shorten dev cycles from over a year to just four months. More engineers, faster rollouts, and new tools on deck, including mortgage and property Intel.  Spinwheel’s ambition goes in two directions makes lender systems smoother, and cut down on consumer pain points. The platform’s credential‑less model takes aim at clunky authentication, slashing drop‑off rates while enabling real-time reconciliation and payments. In a $19.5 trillion market, that’s no small shift. And the timing clicks. A fresh integration with Oscilar’s risk engine pushes Spinwheel further into the spotlight, marking its rise as a serious force in credit data automation and compliance.

For financial services leaders, Spinwheel’s latest move isn’t just a signal it’s a shift in posture. This isn’t another consumer credit data platform chasing market noise. It’s about infrastructure catching up. AI that doesn’t just report, but reacts. That turns debt management from passive to real-time. From lagging to live. And as legacy banks and challenger fintechs feel the squeeze cost, compliance, rising expectations that agentic AI backbone could soon power the next wave of financial ops. Still, money doesn’t scale itself. The fintech Series A funding from F‑Prime and others gives Spinwheel a strong tailwind. But execution will be the test. Can it move from potential to profit without breaking stride? With Monarch as a fintech client, NerdWallet integration live, and NASA Credit Union in the mix, it’s got more than just buzz. It’s got receipts and possibly, a new blueprint for the future of consumer credit data platforms in America’s fintech ecosystem.