One Finance Inc.

OnePay is a financial technology company dedicated to helping individuals achieve financial progress through an all-in-one digital platform. Headquartered in New York City, the company's mission is to make money management simpler and more effective for its users.

The company offers a comprehensive suite of financial products and services, including a mobile banking app, debit cards, rewards credit cards, high-yield savings accounts, and a digital wallet. OnePay also provides credit-building tools such as the Builder Card and Credit Builder Loan, point-of-sale lending options like Pay Later (powered by Klarna), investment opportunities, and cryptocurrency trading capabilities. Beyond individual consumers, OnePay extends its financial wellness solutions to employers, Human Capital Management (HCM) providers, and gig platforms.

OnePay has recently achieved a valuation exceeding $4 billion, following a share buyback program for employees in January 2026. The company continues to expand its offerings, notably broadening its crypto platform with 10 new assets in March 2026 and partnering with Tempo Blockchain in April 2026 for stablecoin payouts. Omer Ismail serves as the CEO, and Patrick O'Connell was appointed as CFO in January 2026. OnePay operates as a "super app" and is majority-owned by Walmart Inc., with additional backing from Ribbit Capital, serving millions of Americans.