Spinwheel is a credit and debt data platform. It gives financial institutions and fintechs a real-time view of what a person owes across every major loan type — credit cards, student loans, auto loans, mortgages — with balances, payoff quotes and terms pulled from the servicers and bureaus that hold them.
Through this partnership, that data becomes available to Kiro Money’s assistant.
The Challenge
The hardest money questions people ask are about debt — can I pay this off faster, which balance to pay down first, what refinancing would actually save — and debt is the hardest data to get right. Balances move daily, a payoff amount is not the same as a balance, and the terms sit with a dozen different servicers.
Without that picture an assistant can only offer rules of thumb. With a stale one, it gives a confident answer that is wrong for the member in front of it.
The Solution
The partnership brings Spinwheel’s real-time debt data into Kiro. When a Kiro customer connects Spinwheel, the assistant will see a member’s liabilities as they stand today — balances, payoff quotes and terms across every major loan type — so an answer about paying down, consolidating or refinancing is specific to what that member actually owes.
As with every Kiro integration, nothing changes in the institution’s core banking system, and the data is used only inside the conversation.
What This Means
For credit unions and banks, debt is also where the biggest member outcomes are — and where the most lending is held somewhere else. With Spinwheel’s data in Kiro’s assistant, an institution can see the high-rate auto loan or card balance a member holds elsewhere and put its own offer in front of them at the moment they ask about it. It is the same principle behind every Kiro partnership: the intelligence sits inside the institution the member already trusts, grounded in that member’s real numbers.