# Onsi

**Canonical:** https://apis.io/providers/onsi/  
**Website:** https://onsi.com  
**APIs profiled:** 2

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.

## Kin Score — 46.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.1).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 50.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 66.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 37.9 (matched via tags).

## Agent readiness — 47.2 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **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.

## MCP servers (1)

- **Onsi MCP Server**

## Agentic access (1)

- **Onsi Agentic Access** — 20 operations · 10 acting

## Security (2)

- **Onsi Authentication** — apiKey · 1 scheme
- **Onsi Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Benefits, Earned Wage Access, On-Demand Pay, Payroll, Fintech, Insurance, Workforce, HR, Health

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