# OnePay

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

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.

## Kin Score — 10.8 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 10.8).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (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)

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

## Tags

Company, Fintech, Mobile Banking, Payments, Consumer Finance, Credit, Investing, Cryptocurrency, Walmart

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