OneStack
OneStack is a Gurugram-based B2B SaaS fintech founded in 2019 that provides white-labeled cloud banking infrastructure — including core banking, payments, lending, insurance, and investment modules — to over 200 cooperative banks and credit societies across India.
- Company typePrivate
- Founded2019
- HeadquartersMumbai, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What OneStack does
OneStack (legal entity: One Stack Solution Private Limited), founded in 2019 and headquartered in Gurugram, India, is a B2B SaaS fintech providing white-labeled digital banking infrastructure to cooperative banks and credit societies across India. The platform is anchored by OneCBS, a cloud-based core banking system, and extended through modular add-ons including mobile banking, online banking, UPI and QR payments, Bharat Bill Payment System (BBPS) integration, SoundBox audio-based payment confirmation, OCEN-powered lending, insurance distribution across General/Health/Life categories, and a digital investment platform for mutual funds and gold. The company holds PCI DSS, ISO 27001, ISO 9001, and RBI Secure Authentication Requirements certifications, positioning it to serve regulated financial institutions with compliant infrastructure.
The platform operates on a modular, API-first architecture designed for rapid white-label deployment, with the company marketing a 'build and launch in days' proposition to cooperative banks that lack modern digital banking capabilities. OneStack serves over 200 cooperative institutions and processes more than Rs 750 crore in annual UPI transactions, with a publicly stated target to expand to 500 cooperative banks and INR 1,000 crore in UPI throughput within two years. Go-to-market is direct enterprise sales to financial institutions, supplemented by a website-driven inbound lead capture funnel.
OneStack generates revenue through SaaS subscription fees paid by financial institutions for access to the core platform and its various modules, with pricing customized per institution (not publicly disclosed). The company has raised approximately $4.24 million in total funding across a 2021 seed round, a $2 million 2023 pre-Series A led by GrowX Ventures, a $2 million 2025 Series A led by Pentathlon Ventures, and an ongoing Series A extension (February 2026) led by Samved VC and Silicon Road Ventures. Founder Amit Kapoor leads the company as CEO, and the company employs between 11 and 50 people.
OneStack firmographics
Firmographics- Name
- OneStack
- Legal name
- One Stack Solution Private Limited
- Website
- https://onestack.in
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OneStack is a Gurugram-based B2B SaaS fintech founded in 2019 that provides white-labeled cloud banking infrastructure — including core banking, payments, lending, insurance, and investment modules — to over 200 cooperative banks and credit societies across India.
- Ownership category
- akta.pro rank
OneStack industry classification
Industry- Product category
- Core Banking Software
- NAICS
- Computer Systems Design and Related Services (54151)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro industry
- Embedded Deposit Accounts & Digital Wallet InfrastructureRisk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes)A2A Checkout & Merchant Acceptance SolutionsFinancial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking PaymentsOpen Banking APIs & ConnectivityFinancial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking Payments
Keywords
Where OneStack is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
OneStack business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- SaaS Platform Subscription: OneStack provides SaaS-based digital banking infrastructure to cooperative banks on a subscription basis. The white-labeled platform includes core banking, mobile banking, payments, and other services. Financial institutions pay for access to the platform and its various modules.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
OneStack product offering
Product offeringCore offering
OneStack provides a SaaS-based, white-labeled digital banking infrastructure platform for India's cooperative banks and credit societies. Its offering centers on OneCBS (a cloud-based Core Banking Solution) and extends through modular capabilities including mobile banking, online banking, SoundBox audio-confirmation devices, UPI/QR payments, BBPS bill payments, OCEN-powered lending, and distribution of insurance and investment products, all delivered via APIs and rapidly deployable under a partner institution's own brand.
Product overview
OneStack is a SaaS-based digital banking infrastructure platform that provides cooperative banks and credit societies in India with a comprehensive suite of neobanking solutions. The platform operates on a modular architecture centered around OneCBS (OneStack Core Banking Solution) as the core platform, supplemented by additional modules including Mobile Banking, Online Banking, SoundBox, and payment services (BBPS, UPI, Bharat QR). Additional offerings include Lending Solutions powered by the OCEN framework, Insurance Distribution across General/Health/Life categories, and an Investment Platform for mutual funds and gold. All solutions are designed for white-label deployment, allowing financial institutions to customize and brand the offerings as their own.
Differentiator
Problem solved
Functional benefit
Products and services
- OneCBS (OneStack Core Banking Solution) Cloud-based core banking platform that enables cooperative banks and credit societies in India to digitize their entire banking operations including account management, transactions, and regulatory compliance, deployed white-label under each institution's own brand.
- Mobile Banking White-labeled mobile banking application enabling customers of cooperative banks to access banking services, view account information, and perform transactions on their smartphones under the bank's own brand.
- Online Banking Digital banking platform providing internet banking capabilities for cooperative bank customers to manage accounts, transfer funds, and access financial services online.
- UPI Payments Unified Payments Interface integration enabling real-time fund transfers and inter-bank transactions for cooperative bank customers through the OneStack platform.
- Bharat QR QR code-based payment acceptance solution allowing merchants and customers to make and receive payments using scanned codes through OneStack-enabled cooperative banks.
- BBPS (Bharat Bill Payment System) Integrated bill payment service allowing cooperative bank customers to pay utility bills, insurance premiums, and other recurring payments through a unified platform compliant with India's BBPS standards.
- SoundBox Audio-based payment confirmation device that provides instant voice alerts for successful transactions, enhancing customer experience at bank branches and retail points.
- Lending Solutions OCEN framework-powered lending platform enabling cooperative banks to offer digital loan services with seamless customer onboarding and automated underwriting.
- Insurance Distribution Insurance product distribution platform offering General, Health, and Life insurance products from leading Indian insurers through cooperative bank channels.
- Investment Platform Digital investment solution enabling cooperative banks to offer mutual funds, gold investments, and other investment products to their customers.
Quantifiable outcome
- Platform processes over Rs 750 crore in annual UPI transactions
- +1 more outcomes
Companies that use OneStack
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles1 record
OneStack technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature10 records
OneStack partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights6 records
OneStack competitors and assessment
Company assessmentDirect peers
- Zeta: Indian fintech providing a cloud-native, white-labeled banking and payments stack for banks and fintechs. Directly comparable product overlap (core banking, cards, payments, lending APIs) and similar India-focused B2B SaaS model.
- Mambu: Global SaaS core-banking platform used by neobanks and challenger banks. Directly comparable on cloud-native core banking, API-first architecture, and white-label deployment model.
- Thought Machine: Cloud-native core banking technology provider serving tier-1 banks and new entrants. Comparable on cloud core banking architecture, deep configurability, and serving regulated financial institutions.
- 10x Banking: UK-based cloud-native core banking platform offering white-label banking-as-a-service. Comparable on API-first cloud banking infrastructure and business model for incumbents going digital.
Broad incumbents
- Intellect Design Arena: Indian banking technology vendor offering a broad suite including core banking, digital channels, and lending. Comparable on serving Indian banks with full-stack banking software, though at much larger scale and with on-premise legacy roots.
- Temenos: Global incumbent in banking software with core banking, digital, and payments suites. Comparable on serving regulated banks seeking digitization, though typically competing for tier-1 commercial banks rather than cooperatives.
- Newgen Software: Indian-listed software provider with digital banking, lending, and content management solutions. Comparable on India banking-tech focus and B2B SaaS delivery model, though with a broader enterprise focus beyond cooperative banks.
- Finastra: Large global financial software provider covering core banking, lending, and treasury. Comparable on serving regulated banks with end-to-end platforms, though much broader portfolio than OneStack's cooperative-bank niche.
Emerging players
- M2P Fintech: Indian payments infrastructure provider offering API-driven issuing, acquiring, and lending enablement. Comparable on India fintech focus and API-first banking infrastructure, with partial overlap on payments and lending modules.
- Yubi (formerly CredAvenue): Indian credit and lending infrastructure platform connecting lenders, borrowers, and investors. Comparable on India fintech B2B SaaS model and lending enablement, with partial overlap on OneStack's OCEN-powered lending module.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
OneStack social profiles
Digital presenceOneStack compliance and trust
Trust signalCompliance4 records
OneStack financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneStack leadership team
Management profileNumber of profiles
Profiles4 records
OneStack funding detail
Funding detailFunding overview
Funding rounds5 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneStack M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OneStack
What does OneStack do?
OneStack provides a SaaS-based, white-labeled digital banking infrastructure platform for India's cooperative banks and credit societies. Its offering centers on OneCBS (a cloud-based Core Banking Solution) and extends through modular capabilities including mobile banking, online banking, SoundBox audio-confirmation devices, UPI/QR payments, BBPS bill payments, OCEN-powered lending, and distribution of insurance and investment products, all delivered via APIs and rapidly deployable under a partner institution's own brand.
Is OneStack a public or private company?
OneStack is a private company. It is classified as venture growth investor backed and is currently operating.
When was OneStack founded?
OneStack was founded in 2019. It employs 11 to 50 people.
Where is OneStack based?
OneStack is headquartered in Mumbai, India, in the Asia region.
How does OneStack make money?
One revenue line is on record: saaS Platform Subscription.
Who are OneStack's main competitors?
Direct peers on record are Zeta, Mambu, Thought Machine and 10x Banking. Broad incumbents are Intellect Design Arena, Temenos, Newgen Software and Finastra. Emerging players are M2P Fintech and Yubi (formerly CredAvenue).
Does OneStack have an API?
Yes. OneStack provides easy-to-use APIs that allow developers to build and launch financial products on its platform quickly. The APIs enable access to core banking services, payment solutions, and other financial functionalities. The platform is designed for white-label deployment, allowing financial institutions to customize and brand solutions as their own. Developer documentation is at onestack.notion.site/Onestack-Core-Banking-Services-0964c4703aa0476e99af38481d41468f.
What industry is OneStack in?
OneStack's product category is Core Banking Software. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 54151 and its SIC code is 7370.