Fundraising Fox
OnePay
3 known investors
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OnePay Invest is a self-directed brokerage platform that allows users to buy and sell stocks and ETFs directly through a mobile app, starting with investments as low as $1. The service integrates with OnePay's banking platform and is designed for retail investors seeking commission-free stock trading.
Also known as OnePay™
Investors · 3
How we know: the VCSheet dataset · Not right? Tell us
How we know: foundationcapital.com · Not right? Tell us
How we know: funding news · Not right? Tell us
Company profile
researched Aug 2026OnePay is a consumer financial technology company that operates a mobile application combining deposit banking, credit, payments, investing and cryptocurrency features. The company states it is not a bank; banking services are provided by partner institutions Coastal Community Bank and Lead Bank, both FDIC members.
The app bundles several product lines: a high-yield savings account and an early wage access feature ("Early Pay"); a "Builder Card" positioned to help customers build credit through everyday spending; a credit card offering 3% cash back at Walmart, 5% for Walmart+ members, and 1.5% on other purchases with no annual fee; a pay-over-time (installment) option at participating merchants; brokerage investing with a stated minimum of $1; and in-app buying, selling and tracking of cryptocurrency. The company also publishes information on safety and security measures for accounts.
OnePay markets itself as serving millions of customers, with customer testimonials referencing sign-up dates from 2020 onward and a large base of app-store reviews.
Business model
OnePay distributes consumer financial products through its own mobile app while relying on chartered partner banks (Coastal Community Bank, Lead Bank) to hold deposits and provide banking services, positioning itself as the technology and customer-facing layer.
Traction
The company describes being trusted by millions of customers, with more than 151,000 reviews on Google Play and customer accounts dating back to at least 2020.
▸Full profile — technology, go-to-market, geography
Technology
A consumer mobile application that integrates deposit accounts, card issuance, credit and installment payments, fractional stock investing and cryptocurrency trading in a single interface, with partner banks providing the underlying banking infrastructure.
Go-to-market
Direct-to-consumer acquisition through its mobile app and website, with product features and rewards oriented around Walmart shopping, supported by app-store distribution on Google Play and the Apple App Store.
Individual consumers in the United States, including shoppers at Walmart and users seeking credit-building, savings and early wage access products.
Geography
United States, with banking services delivered through US-chartered partner banks.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
In the news
▸Research sources · 1
primary sources listed
- OnePayonepay.com · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does OnePay do?
- OnePay is a US consumer fintech app for banking, credit building, payments, investing and crypto.
- Who are OnePay's investors?
- OnePay's investors include Atento Capital, Foundation Capital, Ribbit Capital.