Spinwheel, an Oakland-based consumer credit data company, has launched a Credit Data AI Lab to help financial institutions and fintechs develop agentic AI solutions using permissioned credit data. Prove has joined as a founding partner, providing identity verification capabilities. The lab offers access to real-time consumer credit data, AI tools, compliance frameworks and security guardrails specifically designed for financial services. Through its partnership with Prove's identity platform, the lab enables organisations to build AI solutions that can act on behalf of consumers with verified authentication. Spinwheel is already working with a digital marketplace lender on the lab's first use case: creating AI-configured loan application funnels. Founded in 2019, Spinwheel serves over 15 million users and has facilitated $1.5 trillion in connected debt across its network.

Real-Time credit intelligence for high-intent lead generation. Mar 25, 2026 Relintex is a financial wellness fintech platform providing solutions for finance, insurance, and legal teams. To support its finance partners, Relintex turned to Spinwheel to enable actionable intelligence early in the customer journey - without introducing friction or filtering out prospects too early based on inaccurate data. Partnering with Spinwheel allows Relintex to deliver real-time credit data visibility and connectivity at scale. The challenge. Traditional underwriting approaches rely heavily on static credit data or require pre-qualification steps that reduce decision making and slow down the process. At the same time, partner underwriting requirements have become more sophisticated - demanding better data earlier, without burdening the consumer. Relintex needed a way to build an underwriting engine that could deliver fresh, credit data at scale - while staying invisible to the consumer. The company faced a trio of core challenges: * Capturing real-time credit intelligence with a simple intake process. * Supporting partner underwriting needs with richer, more reliable credit data. * Maintaining fast, low-friction user experiences critical to underwriting performance. The Spinwheel partnership. With Spinwheel, Relintex embedded real-time credit intelligence directly into its lead underwriting engine in a way that is frictionless for consumers. Using Spinwheel's network and data capabilities, Relintex can now: * Enrich leads with real-time and verified credit data. * Power a custom pre-qualification and underwriting system for Spinwheel Network partners. * Maintain a frictionless, SMS-based connection experience via Spinwheel Connect. * Ensure credit data is always current through ongoing Profile refreshes. * Enable secure, reusable connectivity that scaled across partners using the Spinwheel Network. * Reduce operational complexity. The impact. Relintex now delivers underwriting decisions to its finance partners that are not just high-intent, but context-rich, current, and immediately actionable. With Spinwheel, Relintex has transformed how it delivers value to both consumers and partners - turning credit data into intelligence-rich opportunities. "Spinwheel's network approach made it possible to build our own underwriting logic while staying scalable." - Relintex Team