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

12.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFintechBankingPaymentsConsumer FinanceNeobankInvestingCryptocurrency

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 12.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 3.6 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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: '0.23'
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