Spade

Active

Enriched transaction data you can build on

Winter 2022Founded 202125 peopleNew York, NY, USA

www.spade.com ↗LinkedIn ↗X ↗Crunchbase ↗See on the Idea Map Fintech momentum

About

Spade is the next generation of fintech infrastructure. We’re building a financial data enrichment API purpose built to empower our customers to uncover the truth hidden within their transaction data. We use our vast, ground-truth merchant data set to decipher cryptic transactions, helping customers underwrite, detect fraud, build better banking infrastructure and get a unique understanding of their users’ spending habits.

From their website

as of Jun 7, 2026www.spade.com ↗

API/InfraSubscription

Spade is a data and AI platform that takes messy transaction data and turns it into structured, verified records with real-time enrichment. It targets fintechs and banks to enable smarter risk, rewards, analytics, and user experiences across payments and transactions.

Spade ingests transaction data and enriches it in real time to produce structured records with merchant, location, and other contextual data. It provides AI-driven modules for Risk & Authorization, Rewards & Attribution, Analytics & AI, and User Experience to unify authorization, analytics, and AI on one platform. Developers can integrate via an API to access high-performance enrichment that scales across cards, transfers, and third-party sources, with latency targets mentioned (e.g., enrichment in under 50 milliseconds for some capabilities).

Who it’s for: Financial institutions (banks) and fintechs, including large enterprises and Fortune 500 banks, that need real-time, structured transaction data and AI capabilities for risk, rewards, analytics, and customer experience.

Features

Real-time transaction enrichment
Structured merchant and location data
Latency-focused enrichment capabilities
Unified risk, analytics, and AI platform
AI models trained on cleaned, enriched data
Developer-friendly API with minutes-to-integrate setup
Industry-leading accuracy and reliability

Public pricing page mentions multiple tiers and enterprise-ready plans; customer case studies and developer-focused API docs referenced, indicating traction and ongoing product-led growth.