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
16.5/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFintechMobile BankingPaymentsConsumer FinanceCreditInvestingCryptocurrencyWalmart

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 16.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 3.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 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/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 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Onepay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

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)

apis.yml Raw ↑ 
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: '0.20'
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