Fintech Takes Fintech Takes x Spinwheel presents Credit Without Constraints Episode 1: The "Yes And" Approach to Credit Data
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Mar 10, 2026 Tomás Campos, co-founder and CEO of Spinwheel, builds consumer-permissioned credit data and real-time infrastructure. He recounts Spinwheel’s origin and why infrastructure matters. They explore gaps in bureau data, lenders juggling many integrations, the need for minute-level balances and payoff quotes, and an identity-first, “yes and” approach to stitch richer, consented credit signals together.
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Founding Spark Came From Family Debt Stories
- Tomás Campos started Spinwheel after family members struggled with student loans and household liabilities.
- Interviews with hundreds of consumers and a founding team experienced in fintech infrastructure shaped a consumer-first infrastructure approach.
Liabilities Dominate Household Balance Sheets
- Household liabilities make up more of the average American's balance sheet than assets, so credit infrastructure is the critical lever for consumer financial outcomes.
- Spinwheel focused on liabilities because existing fintech tooling neglected the liability side despite its outsized impact.
Bureaus Provide Scale But Leave Real Time Gaps
- Credit bureaus are powerful OG aggregators but rely on periodic furnishing, creating gaps in real-time balances and granular loan details.
- Lenders end up with ~14 disparate integrations to patch missing signals, increasing cost and friction.