Spade

What an incredible time at Money20/20! It was a busy few days for Spade: • Oban MacTavish joined Amanda Swoverland, Nicky Goulimis, and Emmalyn Shaw for “The Blame Game: AI vs. Fraud,” exploring how real-time data and AI are reshaping fraud detection and risk management. • We co-hosted Fintech on Tap at Black Tap with Flourish Ventures, TTV Capital, and Worth AI • We held a dinner celebrating innovators in issuing with partners and industry leaders from Ansa, Capital One, Cash App, Citizens, Bilt, PayPal, and Totavi, LLC • We launched Spade’s new Agent Layer connecting clean, structured data directly to action – starting with our attribution workflow, helping Bilt automate rewards attribution and boost accuracy across billions in spend • We threw a last-minute afterparty to close out the conference in style Thanks to everyone who joined us! Couldn’t make it to Vegas? Reach out at sales@spade.com to connect virtually. Oban MacTavish, Tess Bloch, Lauren Crossett, Jacqueline Farmer, Ryan Kieltyka, Hailey McCracken

Money20/20 is here! Stop by booth #18050 or grab time with our team to learn how Spade’s real-time merchant intelligence helps banks and fintechs reduce fraud, improve authorization, and power next-generation experiences — from personalized rewards to agentic commerce and beyond. https://lnkd.in/ePxShaa7

Clean data is only the beginning. Spade set the standard for enrichment — now we’re connecting that data to action with the launch of our Agent Layer. Our first agentic workflow, Attribution, is launching with Bilt, automating rewards attribution and boosting accuracy across billions in card spend. No more manual checks. No more lag between insight and action. Just structured data, connected directly to the workflows that matter most. From enrichment to automation — this is how Spade helps teams move faster and build better experiences. Learn more about the Agent Layer: https://lnkd.in/gtWDJGHp

Mark your calendars — we’re less than a week away from seeing our Co-Founder and CEO, Oban MacTavish, on the Off the Record Stage at Money20/20 for the panel “Blood in the Digital Water: Real-Time Data Intelligence vs. Modern Fraud Sharks.” Alongside industry leaders Amanda Swoverland, Nicky Goulimis, and Emmalyn Shaw, he’ll discuss how AI is transforming fraud prevention — and how real-time data and merchant intelligence help stop threats before transactions are completed, empowering banks and fintechs to protect customers without adding unnecessary friction. Monday, October 27 | 12:40–1:10 PM PT | Off the Record Stage, Money Hall https://lnkd.in/e2sHFCji Not able to make the panel? Stop by booth #18050 or book time with our team to see how Spade is powering real-time intelligence across payments. https://lnkd.in/ePxShaa7

Excited to share our partnership with Quinte Financial Technologies! The integration embeds Spade’s enrichment data into Quinte’s CaseHUB platform, helping financial institutions resolve disputes faster, reduce manual review, and improve customer and member experience.

Cards. ACH. Wires. Aggregators. Panels. Accounting software. If you work with transaction data, you know that each source comes with its own quirks — forcing teams to stitch together rules, chase edge cases, and re-clean the same messy strings. Spade’s Universal Enrichment changes that. We're thrilled to announce the launch of our new universal endpoint, adding to our card and transfers enrichment offering and providing consistent outputs across every transaction type. Whether it’s aggregated transaction data or a payroll feed from QuickBooks, Spade gives you structured merchant, category, and location data you can actually build on. Early adopters are already: - Replacing fragile aggregator logic in accounting and bookkeeping tools - Delivering local rewards with accurate merchant identity and location - Standardizing data pipelines across products instead of building one-off fixes The result: less time managing inputs and cleansing data, more time shipping features and delivering exceptional customer experiences. 👉 Full details on the launch here: https://lnkd.in/eSxGF53Z

We’re thrilled to be heading back to Las Vegas for Money20/20 2025 with a full lineup of events! 💳✨ https://lnkd.in/exwuYPkW Meet with Spade Swing by Booth #18050 to learn how Spade turns messy, cryptic transaction strings into clear, structured data in under 50ms. Our real-time merchant intelligence helps banks and fintechs reduce false declines, stop fraud, and build better rewards, personalization, and AI-powered features. Grab some swag, check out a demo, or book time with our team: Oban MacTavish, Tess Bloch, Lauren Crossett, Jacqueline Farmer, Ryan Kieltyka, and Hailey McCracken. https://lnkd.in/ewzrZvz3 Fintech on Tap @ Black Tap Oct 27, 6:30–8:30 PM PT Join Spade along with Flourish Ventures, TTV Capital, and Worth AI for the third annual Fintech on Tap — a night of great conversations, new connections, and fintech friends from across the industry. https://luma.com/32o8amxv Panel Discussion @ The Off the Record Stage Oct 27, 12:40–1:10 PM PT Join our CEO and Co-Founder Oban MacTavish for “The Blame Game: AI vs. Fraud,” alongside industry leaders Amanda Swoverland, Nicky Goulimis, and Emmalyn Shaw. They’ll dive into how real-time data and AI are reshaping fraud detection and risk management. https://lnkd.in/e2sHFCji See you in Vegas!

ACH, wire, and RTP transactions have long lagged behind card data — inconsistent formats, missing context, and unreliable merchant details make it hard for teams to build unified experiences across payment types. That changes today. Spade’s enrichment now extends to bank transfers, bringing clean, structured merchant, category, and location data across rails - all through a single API. This launch gives product and data teams a unified view of payments, enabling better authorization decisions, smarter rewards, and richer customer insights - no matter how the money moves. Read more about how Spade is making transaction enrichment consistent across rails: https://lnkd.in/eSgA24is

We're hiring at Spade! Looking for experienced builders to join us as we scale rapidly 📈 🏦 Enterprise Account Executive (Banks) — Own enterprise deals and scale a bank sales motion with proven success ⚙️ Head of Engineering — Grow our team, shape the technical roadmap, and drive strategic engineering decisions 🔧 Senior Backend Engineer — Develop and maintain low-latency, massively-scalable developer facing APIs and a robust data platform Ready to shape the future of financial data? Apply: https://lnkd.in/eRJzVaGq #hiring #fintech #engineering

Merchant IDs are broken - and it's causing real problems in the card ecosystem 💸 A single brand can have thousands of merchant IDs, which change frequently. Without unified merchant identities, issuers struggle to create authorization rules without excessive false declines, can't properly attribute merchant-based rewards, and can't deliver accurate spending insights to consumers. We just published a post diving into why merchant identification is such a challenge - and why MIDs are "mid." If you're feeling this, we should talk! Reach out to sales@spade.com to learn more. https://lnkd.in/e83RpsaS