OnePay

OnePay is a Walmart-backed financial technology company that delivers mobile banking and money services through a single consumer app, with banking provided by Coastal Community Bank or Lead Bank (Members FDIC). The app bundles everyday checking and high-yield savings, a Credit Builder loan and credit score monitoring, the OnePay CashRewards Mastercard credit card, buy-now-pay-later (OnePay Later, powered by Klarna/WebBank), a digital wallet, commission-free stock and ETF investing (cleared by DriveWealth), crypto buying (powered by Zero Hash), free tax filing, global transfers (powered by MoneyGram), and cash back tied to Walmart. Originally launched as ONE (One Finance), OnePay is backed by Ribbit Capital and Walmart. It operates a gated developer/partner surface at developer.onepay.com (currently access-controlled) rather than a public API program.

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

OnePay’s developer surface includes support, engineering blog, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

10.8/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Mobile Banking Payments Consumer Finance Credit Investing Cryptocurrency Walmart

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 10.8/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.3 / 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 Payments 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/onepay: 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

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: onepay
name: OnePay
description: OnePay is a Walmart-backed financial technology company that delivers mobile banking and money services through
  a single consumer app, with banking provided by Coastal Community Bank or Lead Bank (Members FDIC). The app bundles everyday
  checking and high-yield savings, a Credit Builder loan and credit score monitoring, the OnePay CashRewards Mastercard credit
  card, buy-now-pay-later (OnePay Later, powered by Klarna/WebBank), a digital wallet, commission-free stock and ETF investing
  (cleared by DriveWealth), crypto buying (powered by Zero Hash), free tax filing, global transfers (powered by MoneyGram),
  and cash back tied to Walmart. Originally launched as ONE (One Finance), OnePay is backed by Ribbit Capital and Walmart.
  It operates a gated developer/partner surface at developer.onepay.com (currently access-controlled) rather than a public
  API program.
url: https://raw.githubusercontent.com/api-evangelist/onepay/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
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://images.ctfassets.net/e3a511gf6wvh/0ULSOJzwUX4jcd2a0YF7W/3795aa7f6aa92e00e7c91370a94a4ec5/Image.png?w=1200&fm=jpg&q=80
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Mobile Banking
- Payments
- Consumer Finance
- Credit
- Investing
- Cryptocurrency
- Walmart
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
  url: https://developer.onepay.com
- type: Support
  url: https://www.onepay.com/help-center
- type: Blog
  url: https://www.onepay.com/blog
- type: TermsOfService
  url: https://www.onepay.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.onepay.com/privacy
- type: LLMsTxt
  url: llms/onepay-llms.txt
- type: DomainSecurity
  url: security/onepay-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 2
  pass: local-v1

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/onepay"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/onepay/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/onepay/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.