# One

**Canonical:** https://apis.io/providers/one/  
**Website:** https://www.onepay.com  
**APIs profiled:** 0

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.

## Kin Score — 12.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 12.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **One Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Banking, Payments, Consumer Finance, Neobank, Investing, Cryptocurrency

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/one/). Scores are computed from the provider's own public artifacts under a published rubric.