Tomás Campos, CEO of Spinwheel, on building fintech infrastructure for consumer debt

In this episode, I sit down with Tomás Campos, CEO and Co-Founder of Spinwheel, a fintech infrastructure company that's revolutionizing how lenders and financial platforms access consumer credit data. With over 20 years in fintech, Tomás explains how Spinwheel can authenticate users and connect to all their liability accounts—credit cards, loans, mortgages, and more—using just a phone number and date of birth, achieving 95-99% coverage across different debt types.

The conversation explores how this technology is solving critical pain points in debt consolidation lending and how their AI-powered infrastructure orchestrates multiple data sources behind the scenes. Tomás also discusses their Optimize product, which saves users an average of $150 per month by creating personalized debt management plans, and shares his vision for using technology to transform consumer debt from an anchor into a lever for achieving financial goals.

In this podcast you will learn:

• What Tomás saw that led to the founding of Spinwheel.
• Why there is so much friction in connecting liability accounts.
• The different use cases for Spinwheel.
• What is so special about the phone number and date of birth data fields.
• Why passwords are a very bad way to verify a user.
• The coverage of the entire U.S. population that Spinwheel has achieved.
• The data sources that they are still working on connecting with.
• The type of data they are extracting from these data sources.
• Where Spinwheel fits into the flow of a loan application process.
• How they using AI agents and AI in general.
• How Spinwheel Optimize is saving end users $150 per month.
• The long-term vision for Spinwheel.

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