Onsi website screenshot

Onsi

Onsi is a global technology provider and UK/EU insurance intermediary that delivers flexible, shift-linked worker benefits — on-demand ("Embedded") pay, insurance cover, and a rewards marketplace — to employers and their frontline workers. Its Partner (BMO) API lets benefit-program partners manage members (invite, read, update, replace, and offboard individually, in batches, or via full-list CSV jobs), read tiers and earned-wage balances, run on-demand pay withdrawals through a two-step intent/complete flow, and reconcile pay cycles and deductions with payroll. Authentication is an x-api-key header; requests support idempotency (x-idempotency-key, 7-day retention) and skip/take offset pagination, with a consistent code/message error envelope.

Onsi publishes 2 APIs on the APIs.io network: members API and pay API. Tagged areas include Company, Benefits, Earned Wage Access, On-Demand Pay, and Payroll.

Onsi’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, changelog, authentication, and 19 more developer resources.

46.1/100 developing ▬ flat Agent 47/100 agent native Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
AccessSelf serve
2 APIs 1 MCP Servers
CompanyBenefitsEarned Wage AccessOn-Demand PayPayrollFintechInsuranceWorkforceHRHealth

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 46.1/100 · developing
Contract Quality 10.8 / 21
Developer Ergonomics 11.2 / 17
Access Clarity 3.6 / 17
Operational Transparency 4.1 / 11
Contract Governance 1.7 / 10
Discoverability 6.5 / 9
Regulatory Posture 5.7 / 15
Agent readiness — 47/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 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 Insurance 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/onsi: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

Onsi members API

The members API from Onsi — 7 operation(s) for members.

Onsi pay API

The pay API from Onsi — 9 operation(s) for pay.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

BMO Partner members API

OPEN COLLECTION

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Onsi MCP Server

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Onsi Rate Limits

1 limits

RATE LIMITS

Security Posture 2

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

Onsi Authentication

apiKey · 1 scheme

SECURITY

Onsi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Onsi Agentic Access

20 operations · 10 acting

20 operations · 10 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Access & Security 2

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: onsi
name: Onsi
description: Onsi is a global technology provider and UK/EU insurance intermediary that delivers flexible, shift-linked worker
  benefits — on-demand ("Embedded") pay, insurance cover, and a rewards marketplace — to employers and their frontline workers.
  Its Partner (BMO) API lets benefit-program partners manage members (invite, read, update, replace, and offboard individually,
  in batches, or via full-list CSV jobs), read tiers and earned-wage balances, run on-demand pay withdrawals through a two-step
  intent/complete flow, and reconcile pay cycles and deductions with payroll. Authentication is an x-api-key header; requests
  support idempotency (x-idempotency-key, 7-day retention) and skip/take offset pagination, with a consistent code/message
  error envelope.
url: https://raw.githubusercontent.com/api-evangelist/onsi/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://framerusercontent.com/assets/Kgx16PhdTJfIAzqiv0XeASdgeZU.jpg
x-type: company
x-source: vc-portfolio
x-backed-by:
- prosus-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Benefits
- Earned Wage Access
- On-Demand Pay
- Payroll
- Fintech
- Insurance
- Workforce
- HR
- Health
apis:
- aid: onsi:onsi-members-api
  name: Onsi members API
  description: The members API from Onsi — 7 operation(s) for members.
  humanURL: https://docs.onsi.com
  baseURL: https://api.onsi.com
  tags:
  - Members
  tags_raw:
  - members
  properties:
  - type: OpenAPI
    url: openapi/onsi-members-api-openapi.yml
  - type: Documentation
    url: https://docs.onsi.com
  - type: APIReference
    url: https://docs.onsi.com/api-reference/introduction
- aid: onsi:onsi-pay-api
  name: Onsi pay API
  description: The pay API from Onsi — 9 operation(s) for pay.
  humanURL: https://docs.onsi.com
  baseURL: https://api.onsi.com
  tags:
  - Pay
  tags_raw:
  - pay
  properties:
  - type: OpenAPI
    url: openapi/onsi-pay-api-openapi.yml
  - type: Documentation
    url: https://docs.onsi.com
  - type: APIReference
    url: https://docs.onsi.com/api-reference/introduction
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/onsi-overlay.yaml
- type: Website
  url: https://onsi.com
- type: DeveloperPortal
  url: https://docs.onsi.com
- type: Documentation
  url: https://docs.onsi.com
- type: APIReference
  url: https://docs.onsi.com/api-reference/introduction
- type: GettingStarted
  url: https://docs.onsi.com/docs/member-management/get-started
- type: Support
  url: https://onsi.com/contact
- type: Blog
  url: https://onsi.com/blog
- type: PrivacyPolicy
  url: https://pages.onsi.com/onsi-global-privacy-policy
- type: TermsOfService
  url: https://pages.onsi.com/onsi-terms-of-use-uk-and-row
- type: ChangeLog
  url: https://docs.onsi.com/docs/changelog
- type: ChangeLog
  url: changelog/onsi-changelog.yml
- type: LLMsTxt
  url: llms/onsi-llms.txt
- type: Authentication
  url: authentication/onsi-authentication.yml
- type: Conventions
  url: conventions/onsi-conventions.yml
- type: Idempotency
  url: conventions/onsi-conventions.yml
- type: ErrorCatalog
  url: errors/onsi-error-codes.yml
- type: RateLimits
  url: rate-limits/onsi-rate-limits.yml
- type: Lifecycle
  url: lifecycle/onsi-lifecycle.yml
- type: Conformance
  url: conformance/onsi-conformance.yml
- type: DataModel
  url: data-model/onsi-data-model.yml
- type: Sandbox
  url: sandbox/onsi-sandbox.yml
- type: MCPServer
  url: mcp/onsi-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/onsi-domain-security.yml
- type: AgenticAccess
  url: agentic-access/onsi-agentic-access.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 20
  pass: local-v1