Spade

Spade is a data and AI platform for financial institutions that turns messy transaction data into structured, verified records. Its API enriches transactions in real time with merchant and location details. The site names these uses: faster authorization decisions, pointing customers to the merchant before a dispute reaches support, attributing rewards at merchant and location level, and building analytics and AI features on cleaner data. The company says it enriches billions of transactions every month for fintechs and large banks, reports P99 enrichment latency under 40 milliseconds, and says 95% of physical transactions are matched to an exact geolocation. The documentation covers card, transfer and universal data enrichment, plus batch and microbatch options.