# OneBlinc

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

OneBlinc is a US consumer fintech that provides cash advances, credit-building and financial-wellness products to public-sector, healthcare and other essential workers who are underserved by traditional banks. Its consumer products are delivered through the OneBlinc / BlincAdvance mobile apps — BlincAdvance (paycheck advances from $50 up to $250 on an $8.99/month subscription, with an optional paid instant-deposit tier), BlincBoost (a credit-building subscription), BlincShield and BlincEarn — and a legacy installment-loan product originated by BlincLoans, Inc. that is not currently accepting new applications. Its one business-facing product, BlincFy, sells customer-permissioned income and employment verification data and analytics, but is sold through a "Schedule a Demo" sales motion with no public developer documentation. OneBlinc publishes no public API, developer portal, SDK or machine-readable specification; api.oneblinc.com is a private backend for its own mobile clients.

## Kin Score — 17.3 / 100 (emerging)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 17.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Banking & Open Finance**: 20.3 (matched via tags).

## Agent readiness — 2.5 (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 | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## Security (1)

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

## Plans (1)

- **Oneblinc Plans Pricing**

## Tags

Company, Financial-Services, Fintech, Consumer Lending, Cash Advance, Earned Wage Access, Credit Building, Income Verification, Mobile Banking, United States

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