OnePipe
OnePipe is a Lagos-based embedded finance API gateway that aggregates financial services from 20+ Nigerian banks and fintechs into a single integration for fintechs, while giving banks a channel to monetize digital assets and fintech partnerships.
- Company typePrivate
- Founded2018
- HeadquartersLagos, Nigeria
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What OnePipe does
OnePipe is a Lagos-based embedded finance API gateway founded in 2018 that aggregates financial services from more than 20 Nigerian banks and fintechs into a single standardized interface. The platform enables fintechs to access multiple banking and payment partners through one integration, with least-cost routing and provider toggling (e.g., Paystack, Flutterwave, Quickteller, Monnify) without changing code, while giving banks a channel to monetize digital assets and grow fintech partnerships at no onboarding cost. Core product modules include payment processing, managed wallets, loans and credit, automated disbursements, KYC and validation (BVN lookup, account/card ownership verification), account opening, credit scoring, and statement extraction; the consumer-facing PaywithAccount sub-brand extends the platform into scheduled utility and telecom bill payments. The company pivoted from open banking to depth-driven embedded finance in 2021, initially integrating with six tier 2 and tier 3 Nigerian banks before expanding the partner catalog.
Revenue is generated primarily from transaction fees and API access charges routed through partner bank settlement accounts, supplemented by negotiated preferred pricing on key services where OnePipe may take a margin. Pricing is volume-based and negotiated per use case rather than publicly tiered. The company is venture-backed, having raised approximately $4.6 million in equity (notably a $3.5M seed in November 2021) and a $4.8 million debt facility from TLG Capital in March 2023 to expand inventory finance for Nigeria's informal sector. Founder Ope Adeoye serves as CEO, and the company was recognized among Africa's Top 10 embedded finance startups in 2025 by African Exponent.
OnePipe firmographics
Firmographics- Name
- OnePipe
- Legal name
- OnePipe.io
- Website
- https://onepipe.io
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OnePipe is a Lagos-based embedded finance API gateway that aggregates financial services from 20+ Nigerian banks and fintechs into a single integration for fintechs, while giving banks a channel to monetize digital assets and fintech partnerships.
- Ownership category
- akta.pro rank
OnePipe industry classification
Industry- Product category
- Embedded Finance / Open Banking API Infrastructure
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industries
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI), Open Banking APIs & Connectivity (FSAMAFAA), Open Banking, Account Aggregation & Payment Initiation APIs (BPAMAFAJ), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
Keywords
Where OnePipe is headquartered
LocationHeadquarters
- HQ city
- Lagos
- HQ country
- Nigeria
- HQ region
- Africa
Offices1 record
Markets served
OnePipe business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Others
Revenue model
- API Access and Transaction Fees: Revenue generated from transaction fees and API access charges passed through partner banks. Fintechs access banking APIs through the OnePipe gateway, with costs deducted from settlement accounts operated by partner banks on behalf of fintechs.
- Preferred Pricing Negotiations: Depending on volumes and use cases, OnePipe helps negotiate pricing on key services with bank partners, potentially taking a margin on negotiated rates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Volume-based negotiated pricing |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels3 records
OnePipe product offering
Product offeringCore offering
OnePipe builds and operates a unified API gateway that aggregates financial services from more than 20 banks and fintechs (including Suntrust, Polaris, Providus, FirstBank, FCMB, Fidelity, GTBank, Flutterwave, Paystack, Monnify, and Quickteller) into a standardized interface. Fintechs integrate once and can route payments, manage wallets, originate loans, run KYC, perform disbursements, open accounts, and pull statements, switching between underlying providers without changing code.
Product overview
OnePipe is an embedded finance API gateway that aggregates financial services from over 20 banks and fintechs into a unified platform. The core offering is the OnePipe API Gateway, which provides a single integration point for payment processing, managed wallets, loans and credit, automated disbursements, KYC and validation, account opening, credit scoring, and statement extraction. Consumers access these services through the PaywithAccount platform. All capabilities are delivered via REST APIs accessible to fintechs and banks, with a single integration allowing users to switch between providers (e.g., Paystack, Flutterwave, Quickteller, Monnify) without code changes.
Differentiator
Problem solved
Functional benefit
Brands
- PaywithAccount: A platform within OnePipe that enables payment scheduling for utility and service payments, supporting electricity distribution companies and mobile operators.
Products and services
- OnePipe API Gateway Unified API gateway that aggregates financial services from 20+ banks and fintechs into a standardized interface, enabling fintechs and banks to integrate, switch providers, and access a broad range of financial capabilities through a single integration.
- Payment Processing Accepts and processes payments from cards, accounts, and wallets. Provides flat-fee card payments via Paystack, Flutterwave, and Quickteller, as well as direct account transfers through partner banks, all accessible through a single integration.
- PaywithAccount A consumer-facing payment platform within OnePipe's ecosystem that enables users to schedule and automate utility and service payments such as electricity and mobile airtime directly from their accounts.
- Inventory Finance Finance solutions for small businesses in Nigeria's informal sector, providing inventory credit and working capital loans through OnePipe's embedded finance gateway.
Quantifiable outcome
- Processed over 6.3 million transactions worth more than $46.3 million as of November 2021
- +1 more outcomes
Companies that use OnePipe
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles4 records
OnePipe technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
OnePipe partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and secondary.
- Six Partner Banks (Tier 2 and Tier 3)coreOnePipe partnered with six tier 2 and tier 3 Nigerian banks for deep embedded finance integrations. These banks provide the banking infrastructure and APIs that OnePipe aggregates and makes available to fintechs through its unified gateway.
- Suntrust BankcoreBanking API partner providing financial services through the OnePipe gateway platform.
- Polaris BankcoreBanking API partner providing financial services through the OnePipe gateway platform.
- Providus BankcoreBanking API partner providing financial services through the OnePipe gateway platform.
- FlutterwavesecondaryPayment API partner integrated through the OnePipe gateway, enabling fintechs to access Flutterwave's payment processing capabilities.
- PaystacksecondaryPayment API partner integrated through the OnePipe gateway, enabling fintechs to access Paystack's payment processing capabilities.
- MonnifysecondaryPayment API partner integrated through the OnePipe gateway, enabling fintechs to access Monnify's payment and collection services.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
OnePipe competitors and assessment
Company assessmentDirect peers
- Mono: Nigerian open banking and financial data API platform that aggregates bank connectivity for fintechs and businesses. Directly competes with OnePipe in Nigeria using a similar single-integration multi-bank API model.
- Okra: Nigerian open banking API that connects fintechs to bank accounts, payments and identity data. Closest direct competitor to OnePipe in the Nigerian market with overlapping target customers and product capabilities.
- Stitch: South African financial data and payments API platform offering single-integration access to multiple banks. Operates the same aggregator model as OnePipe but serves South African banks and fintechs.
Broad incumbents
- Plaid: Global leader in bank API connectivity and financial data aggregation. A vastly larger incumbent whose product model (single API, multi-bank access) directly informs what OnePipe offers in Nigeria, though Plaid serves enterprise and consumer fintech globally.
- TrueLayer: European open banking platform offering unified APIs for account information, payments initiation and identity verification. Comparable to OnePipe's gateway model, but serving UK/European banks and fintechs.
- Yapily: European open banking API aggregator connecting businesses to thousands of banks across multiple countries. Operates the same multi-bank aggregation model as OnePipe but at broader European scale.
Regional players
- Brankas: Open banking and financial API provider focused on Southeast Asia. Comparable multi-bank aggregation model to OnePipe, but operating in Indonesia, Philippines, Thailand and Vietnam rather than Africa.
Others
- Flutterwave: Pan-African payment infrastructure provider and a OnePipe API partner. While Flutterwave currently uses OnePipe for aggregation, its scale and direct bank connectivity make it both a partner and a potential disintermediation threat.
- Paystack: Nigerian payment processor (now Stripe-owned) integrated through OnePipe. Overlaps with OnePipe on payment processing capabilities and could compete directly with portions of OnePipe's offering as it expands its API suite.
Emerging players
- Block (formerly Mono competitor): Bramble is a UK-based open banking platform offering consumer-permissioned financial data and payment connectivity. While smaller and consumer-focused, it represents the emerging-player archetype in the same API aggregation category as OnePipe.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
OnePipe social profiles
Digital presenceOnePipe financial estimates
Financial estimateRevenue estimate
Valuation estimate
OnePipe leadership team
Management profileNumber of profiles
Profiles12 records
OnePipe funding detail
Funding detailFunding overview
Funding rounds5 records
Investors24 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OnePipe 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 OnePipe
What does OnePipe do?
OnePipe builds and operates a unified API gateway that aggregates financial services from more than 20 banks and fintechs (including Suntrust, Polaris, Providus, FirstBank, FCMB, Fidelity, GTBank, Flutterwave, Paystack, Monnify, and Quickteller) into a standardized interface. Fintechs integrate once and can route payments, manage wallets, originate loans, run KYC, perform disbursements, open accounts, and pull statements, switching between underlying providers without changing code.
Is OnePipe a public or private company?
OnePipe is a private company. It is classified as venture growth investor backed and is currently operating.
When was OnePipe founded?
OnePipe was founded in 2018. It employs 11 to 50 people.
Where is OnePipe based?
OnePipe is headquartered in Lagos, Nigeria, in the Africa region.
How does OnePipe make money?
Two revenue lines are on record. API Access and Transaction Fees are the primary driver. The others are preferred Pricing Negotiations.
Who are OnePipe's main competitors?
Direct peers on record are Mono, Okra and Stitch. Broad incumbents are Plaid, TrueLayer and Yapily. Brankas is listed as a regional player. Others are Flutterwave and Paystack. Block (formerly Mono competitor) is listed as an emerging player.
Does OnePipe have an API?
Yes. OnePipe exposes a public API. Developer documentation is at v1.docs.onepipe.io.
What industry is OnePipe in?
OnePipe's product category is Embedded Finance / Open Banking API Infrastructure. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting).