OneDosh

What OneDosh does

OneDosh, Inc is a US-domiciled fintech founded in February 2025 and headquartered in New York that operates a mobile-first cross-border payments platform for consumers and small businesses. The core product is a unified wallet that holds both fiat (USD, NGN) and stablecoin (USDT, USDC) balances and enables instant conversion between them, with 24/7 settlement for stablecoin transfers in seconds and fiat transfers in minutes to hours. The platform is organized around two modules: a Send & Receive money-transfer product and a OneDosh Spend Card, a Visa debit card issued by partner Rain and tokenized into Apple Pay and Google Pay, allowing users to spend stablecoin-backed balances anywhere Visa is accepted. Its first major corridor connects the United States and Nigeria and is live across 49 U.S. states; as of June 2026 the service has been extended to 29 European countries with a reported user base of over 200,000.

Underlying the product is stablecoin-powered settlement layered with PCI-DSS-compliant card processing via partners, multi-signature stablecoin custody, TLS 1.3 encryption, and AML/KYC/KYB screening against global databases, with GDPR, NDPR, and COPPA compliance referenced. OneDosh itself is not a bank or Virtual Asset Service Provider; banking, money transmission, and virtual asset services are provided through licensed partner institutions. Revenue is transaction-based: a 0.5% fee on card funding, approximately 2% on USD<->NGN conversions (1% OneDosh + 1% partner), plus per-transfer, card-issuance, ATM and FX fees disclosed in-product. Go-to-market is direct-to-consumer and self-serve via iOS and Android apps, supplemented by content marketing, organic social, a Nigerian referral program and a #OneDoshChallenge UGC/influencer campaign. Target personas include freelancers and remote workers, global professionals, stablecoin-native earners, Meta creators and small business owners needing cross-border B2B payments. The company has raised a cumulative $4 million in pre-seed funding across two tranches in 2026 and is led by co-founders Jackson Ukuevo, Godwin Okoye and Babatunde Osinowo, with COO Will Trible and Director of Operations Robin Joseph joining the operating team.

Name

OneDosh

Legal name

OneDosh, Inc

Website

https://onedosh.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

OneDosh is a US-based fintech that offers a mobile app combining fiat (USD, NGN) and stablecoin (USDT, USDC) balances in a single wallet for cross-border payments, with a Visa debit card issued by partner Rain and accepted globally via Apple Pay and Google Pay, serving freelancers, global professionals, creators and SMBs across the US, Nigeria and 29 European countries.

Ownership category

akta.pro rank

Product category

Cross-Border Payments

akta.pro industry

PRIMARYFSAMAIAG

Multi-Currency Accounts, Wallets & IBAN Services

Financial & Insurance/Payments & Transaction Processing/Cross-Border Payments & Remittances

SECONDARYBPAMAFAK

Cross-Border & FX Payments Platforms

Business & Public Services/Web, Mobile & Digital Platforms/Payments, Wallets & Digital Banking Platforms

SECONDARYFSAMAEAL

International / Multi-Currency Wallets

Financial & Insurance/Payments & Transaction Processing/Digital Wallets & Mobile Payments

SECONDARYFSADAIAD

Crypto Remittance & Cross-Border Money Transfer Providers

Financial & Insurance/Crypto & Digital Assets/Payments, Merchant Acquiring & Remittances (Crypto)

SECONDARYFSAMANAI

Travel Money Cards & Multi-Currency Prepaid

Financial & Insurance/Payments & Transaction Processing/Prepaid, Gift Cards & Stored Value

Keywords

• Cross-border payments
• Stablecoin payments
• Multi-currency wallet
• Remittance services
• Debit card issuance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Revenue model

1. Card funding fee: 0.5% fee charged when users fund their OneDosh card. Per-transaction usage-based pricing on card top-ups.
2. Currency conversion fee (USD<->NGN): 1% service fee on USD<->NGN conversions, plus a 1% fee charged by the conversion partner. Total ~2% take rate on fiat FX conversion.
3. Cross-border transfer and payment fees: Transaction fees for transfers and payments across borders; disclosed before each transaction. Fees may change with 30 days' notice.
4. Card issuance, ATM and FX fees: Card issuance and maintenance fees, ATM withdrawal fees, and small FX/foreign exchange fees on card spending. No monthly maintenance fees on cards per FAQ.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

OneDosh provides a stablecoin-powered cross-border payments platform that combines fiat (USD, NGN) and stablecoin (USDT, USDC) balances in a single unified wallet. Users can send, receive, convert, and spend money globally 24/7 via a Visa debit card (virtual today, physical coming soon) tokenized into Apple Pay and Google Pay, with the US-to-Nigeria corridor live across 49 U.S. states and expansion into 29 European countries underway.

Product overview

OneDosh offers a unified borderless payments platform (iOS/Android app and web) anchored by a multi-currency wallet that holds both fiat (USD, NGN) and stablecoins (USDT, USDC) in one place. The platform is organized as a core product with two principal modules: (1) Send & Receive, which powers 24/7 cross-border money transfers across corridors such as U.S. to Nigeria, and (2) the OneDosh Spend Card, a Visa debit card (virtual today, physical coming soon) that integrates with Apple Pay and Google Pay. The wallet, Send & Receive module, and Spend Card operate together so users can fund the card, transfer value, and spend globally from a single balance, supported by stablecoin-powered rails issued via partner Rain.

Differentiator

Problem solved

Functional benefit

Products and services

• OneDosh Borderless Payments Platform Unified digital financial platform combining stablecoins and traditional banking into a single ecosystem for holding, converting, sending, receiving, and spending money globally across borders.
• Send & Receive (Cross-Border Money Transfer) Cross-border money transfer service supporting instant transfers of USD, NGN, USDT, and USDC 24/7, with transparent FX and live corridors including U.S. to Nigeria, Nigeria domestic, and U.S. P2P transfers.
• OneDosh Spend Card Virtual Visa Debit Card (with physical card coming soon) for spending dollars globally online and in-store; integrates with Apple Pay and Google Pay, supports freezing/unfreezing, and is funded from the OneDosh wallet.

Quantifiable outcome

• Over 200,000 users as of June 2026
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability1 record

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and secondary.

• RaincoreOEM/ Whitelabel/ Licensing PartnerRain issues the OneDosh debit card, enabling users to spend stablecoin-backed balances globally. Described as the card-issuing partner backing OneDosh's stablecoin-powered Visa debit product.
• Apple PaycoreTechnology or IntegrationOneDosh debit cards are tokenized into Apple Pay, letting users spend stablecoin-backed balances via tap-to-pay on iPhone and supported devices at any contactless terminal.
• Google PaycoreTechnology or IntegrationOneDosh debit cards integrate with Google Pay for tap-to-pay spending of stablecoin-backed balances on Android devices globally.
• VisacoreTechnology or IntegrationOneDosh virtual and physical debit cards run on the Visa network, accepted at millions of merchants worldwide; cards spend dollars globally wherever Visa is accepted.
• Licensed Banking & VASP Partners (unnamed)coreOthersBanking, money transmission, and virtual asset services are provided through partnerships with licensed financial institutions and VASP providers in their respective jurisdictions (specific partners are not publicly named).
• USD/USDT/USDC Conversion Partner (unnamed)coreOthersA conversion partner charges an additional 1% fee on USD<->NGN or NGN->USD conversions alongside OneDosh's own 1% service fee; the partner's identity is not publicly disclosed.
• Meta (Facebook/Instagram) PayoutssecondaryTechnology or IntegrationOneDosh provides US local (ACH-compatible) USD account details that Meta creators can add to their Meta payout settings to receive Reels, subscription, and ad earnings directly to a OneDosh USD balance.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Wise: Wise is a leading cross-border payments platform offering multi-currency accounts and low-cost international transfers. It directly overlaps with OneDosh's Send & Receive value proposition and target user (global professionals, freelancers), though Wise is fiat-only and much larger.
• Remitly: Remitly is a digital remittance company focused on immigrant corridors, with strong US-to-Nigeria volume. It competes head-to-head with OneDosh on the US-Nigeria corridor that anchors OneDosh's early traction.
• Chipper Cash: Chipper Cash is an Africa-focused cross-border payments and crypto on/off-ramp app with strong presence in Nigeria. It is a direct competitor in OneDosh's primary Nigeria-anchored corridor and shares a similar mobile-first, consumer-focused positioning.
• Yellow Card: Yellow Card is a stablecoin-based payments and remittance platform operating across multiple African countries including Nigeria. It competes directly with OneDosh on stablecoin-powered Africa corridor transfers.
• LemFi: LemFi is a cross-border payments app focused on African diaspora corridors, including US-to-Nigeria. It targets a similar diaspora freelancer and professional segment with mobile-first remittance.
• Bitnob: Bitnob is a Bitcoin and stablecoin-based cross-border payments platform serving African users and the African diaspora. It competes directly with OneDosh in stablecoin-powered Africa corridor transfers.
• Sendwave: Sendwave is a mobile remittance app focused on African corridors including Nigeria, owned by Zepz. It is a direct peer competing for the same US-to-Africa remittance users on price and mobile UX.

Broad incumbents

• WorldRemit: WorldRemit is an established digital remittance incumbent operating across hundreds of corridors including Nigeria. It is a broader incumbent that OneDosh must displace or differentiate against, particularly on fees and settlement speed.
• Revolut: Revolut is a global neobank offering multi-currency accounts, cards, and increasingly crypto/stablecoin services. It is a broad incumbent whose European expansion, multi-currency wallet, and Visa debit offering overlap with OneDosh's product.

Emerging players

• MoonPay: MoonPay is a fiat-to-stablecoin and crypto on/off-ramp provider that powers wallet and consumer applications. It overlaps with OneDosh's stablecoin cash-out and conversion functionality for crypto-native users.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/getonedosh
• Facebookfacebook.com/profile.php?id=61574973784635
• LinkedInlinkedin.com/company/onedosh
• Instagraminstagram.com/getonedosh

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OneDosh