One

OnePay (formerly One / One Finance) is a Walmart-backed consumer fintech that delivers a single mobile app combining banking, high-yield savings, a CashRewards debit card, a credit-building card, buy-now-pay-later, investing, cryptocurrency trading, and tax filing. Banking services are provided through partner banks Coastal Community Bank and Lead Bank (Members FDIC). The product is consumer-facing with no public developer API; a partner/developer portal exists behind authentication at developer.onepay.com. Originally surfaced as a portfolio company of Obvious Ventures and added to the API Evangelist network as a lead for enrichment.

One is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Payments, and Consumer Finance.

One’s developer surface includes support, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

18.2/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechBankingPaymentsConsumer FinanceNeobankInvestingCryptocurrency

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 18.2/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 3.0 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 2.1 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/one: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Licenses

Licenses

Company 3

The organization behind the API

Website

Website

Blog

Blog

Careers

Careers

Source (apis.yml)

aid: one
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/one.png
name: One
description: OnePay (formerly One / One Finance) is a Walmart-backed consumer fintech that delivers a single mobile app combining
  banking, high-yield savings, a CashRewards debit card, a credit-building card, buy-now-pay-later, investing, cryptocurrency
  trading, and tax filing. Banking services are provided through partner banks Coastal Community Bank and Lead Bank (Members
  FDIC). The product is consumer-facing with no public developer API; a partner/developer portal exists behind authentication
  at developer.onepay.com. Originally surfaced as a portfolio company of Obvious Ventures and added to the API Evangelist
  network as a lead for enrichment.
url: https://raw.githubusercontent.com/api-evangelist/one/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- obvious-ventures
x-tier: stub
x-tier-reason: portfolio-lead
x-rebrand: one-finance -> one (one.app) -> onepay (onepay.com)
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Banking
- Payments
- Consumer Finance
- Neobank
- Investing
- Cryptocurrency
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.onepay.com
- type: DeveloperPortal
  name: OnePay Developers (authentication-gated)
  url: https://developer.onepay.com
- type: Support
  name: Help Center
  url: https://help.onepay.com
- type: Blog
  url: https://www.onepay.com/blog
- type: StatusPage
  name: OnePay Status
  url: https://status.onepay.com
- type: TermsOfService
  url: https://www.onepay.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.onepay.com/legal/privacy-policies
- type: Licenses
  url: https://www.onepay.com/legal/licenses
- type: Careers
  url: https://www.onepay.com/careers
- type: DomainSecurity
  url: security/one-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1

One