specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Spinwheel
providerId: spinwheel
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Fintech
- Credit Data
- Debt
- Liabilities
- Payments
- Embedded Finance
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Spinwheel spend. Spinwheel is billed through a sales-led
  partner agreement rather than a public price list, so cost is driven by the
  set of enabled modules (user connect, credit data / debt profile, liability
  refresh, payments) plus usage-based components such as per credit-report pull,
  per liability refresh, and per payment / transaction. Specific rates are not
  published and are not reconciled here; the meters below describe the cost
  drivers to track once a contract is in place.
notes: >-
  Reconcile module bundling and per-unit rates with Spinwheel sales. Credit
  report pulls (Equifax) and payment transactions are the primary variable cost
  drivers; control them by gating refresh frequency and debt-profile pulls.
sources:
- https://spinwheel.io/
- https://docs.spinwheel.io/docs/getting-started-1
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Spinwheel
serviceCategory: Financial Services
billingModel:
  pricingCategory: Contract-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Spinwheel Embedded Debt Solutions
  ServiceCategory: Financial Services
  ProviderName: Spinwheel
  PublisherName: Spinwheel
  InvoiceIssuerName: Spinwheel
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Contract-Based
meters:
- name: credit_report_pulls
  description: Equifax-backed debt profile / credit report pulls, a primary variable cost driver.
  unit: requests
  aggregation: sum
  dimensions:
  - partner
  - user
- name: liability_refreshes
  description: Real-time liability refresh requests (balances, rates, payoff quotes).
  unit: requests
  aggregation: sum
  dimensions:
  - partner
  - user
- name: refresh_subscriptions
  description: Recurring debt-profile refresh subscriptions kept active per user.
  unit: subscriptions
  aggregation: sum
  dimensions:
  - partner
  - user
- name: payment_transactions
  description: Bank-account-funded payment requests and transactions originated.
  unit: transactions
  aggregation: sum
  dimensions:
  - partner
  - user
- name: connected_users
  description: Users connected via SMS, KBA, phone, or network token.
  unit: users
  aggregation: sum
  dimensions:
  - partner
principles:
- name: Visibility
  description: Track credit report pulls, refreshes, and payment transactions per partner key and per user.
- name: Allocation
  description: Tag usage to the enabled module (credit data, liabilities, payments) and map to internal cost centers.
- name: Optimization
  description: Gate debt-profile pull and refresh frequency; rely on webhooks instead of aggressive polling; only enable the modules in use.
- name: Accountability
  description: Assign owners per integrated workflow; review pull and transaction volume monthly against the contracted commitment.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com