Onemoney
OneMoney is India's first RBI-licensed Account Aggregator, operating a consent-based financial data sharing platform that connects banks, mutual funds, insurers, and other FIPs with lenders, fintechs, and wealth managers via white-label APIs and SDKs.
- Company typePrivate
- Founded2016
- HeadquartersHyderabad, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Onemoney does
OneMoney, operated by Finsec AA Solutions Private Limited, is India's first RBI-licensed Account Aggregator (AA), a regulated intermediary that enables consent-based sharing of financial data between Financial Information Providers (FIPs)—such as banks, mutual funds, insurance companies, and the GSTN network—and Financial Information Users (FIUs), which include lenders, wealth managers, and personal finance applications. Founded in 2016 and headquartered in Hyderabad, the company operates as a wholly-owned subsidiary of FinTech Products and Solutions Private Limited and maintains 11-50 employees. The platform is purpose-built to comply with the RBI's Master Direction for NBFC Account Aggregators (2016) and India's Digital Personal Data Protection Act (2023), and is the consent backbone visible in MobilePe's account linking flow.
The core product is a standardised consent management platform that captures user consent artefacts specifying data scope, duration, and recipient, then routes data retrieval requests across FIPs without storing banking credentials or accessing financial information at rest. OneMoney aggregates bank statements, deposits, mutual funds, insurance policies, equities, GSTN data, and NPS records into a unified view, and exposes this through white-label web journeys and SDKs that partners can embed with custom branding. Security infrastructure includes mandatory SIM and device binding, end-to-end encryption, and IS/ISO/IEC 27001 alignment. On top of the core data rail, OneMoney offers verticalised solutions for loan and insurance underwriting, personal finance management, and wealth management.
OneMoney monetises through a usage-based SaaS model, charging fees per data packet delivered to FIUs, while FIPs and end consumers (Data Principals) currently access the service free of charge. Management has retained explicit discretion to revise pricing as the B2B market matures. The company sells to banks, NBFCs, lending platforms, fintechs, insurance, and wealth management firms via enterprise field sales and API/SDK integrations, with a single named customer reference (MobilePe). As an investor in Sahamati's Rs 50 crore (approximately USD 6M) ecosystem funding round in April 2026, OneMoney is actively contributing to the institutional build-out of India's open finance digital public infrastructure rather than operating as an isolated vendor.
Onemoney firmographics
Firmographics- Name
- Onemoney
- Legal name
- Finsec AA Solutions Private Limited
- Website
- https://onemoney.in
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OneMoney is India's first RBI-licensed Account Aggregator, operating a consent-based financial data sharing platform that connects banks, mutual funds, insurers, and other FIPs with lenders, fintechs, and wealth managers via white-label APIs and SDKs.
- Ownership category
- akta.pro rank
Onemoney industry classification
Industry- Product category
- Open Banking Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industries
- Customer Permissioning & Consent Management (OAuth, scopes, revocation) (FSAGACAC), Open Banking APIs & Connectivity (FSAMAFAA)
Keywords
Where Onemoney is headquartered
LocationHeadquarters
- HQ city
- Hyderabad
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Onemoney business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- SaaS Data Packet Fees: Charges based on per data packet delivered. Financial Information Providers (FIPs) are currently not charged based on present market conditions. The Account Aggregator service is offered free of charge to Data Principals (end consumers). Management retains discretion to revise pricing based on evolving market conditions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Data Packet Delivery - Usage-based pricing for FIUs and financial institutions |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
Onemoney product offering
Product offeringCore offering
OneMoney operates India's first RBI-licensed NBFC Account Aggregator platform that enables consent-driven, encrypted financial data sharing between Financial Information Providers (banks, mutual funds, insurance companies, equities, GSTN, NPS) and Financial Information Users (lenders, fintechs, wealth managers). It provides a standardized consent management system, white-label SDK and web journeys for B2B integration, and customizable UI/UX for partner platforms, while serving Data Principals (end users) free of charge.
Product overview
OneMoney is a unified Account Aggregator platform operated by Finsec AA Solutions Private Limited, a subsidiary of FinTech Products and Solutions Private Limited. The core offering is the OneMoney Account Aggregator Service—a RBI-licensed platform that enables consent-driven financial data sharing across India's open finance ecosystem. The platform integrates with Financial Information Providers (banks, mutual funds, insurance companies, stock brokers, GSTN, NPS) to consolidate data such as bank statements, deposits, mutual funds, insurance policies, equities, and pension data. On top of this core data aggregation infrastructure, OneMoney offers sector-specific solutions for Loan & Insurance Underwriting, Personal Finance Management, and Wealth Management use cases. All services are powered by a standardized Consent Management Platform that gives users full control over their data sharing preferences.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Millions of monthly data packets delivered
- +1 more outcomes
Companies that use Onemoney
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles1 record
Onemoney technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Onemoney partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SahamaticoreOneMoney participated as an investor in Sahamati's Rs 50 crore funding round from over 30 financial sector entities including major banks. Sahamati is the non-profit industry alliance for India's Account Aggregator ecosystem, working to build regulated digital public infrastructure for consent-based financial data sharing. The capital will deepen ecosystem participation, strengthen technical and policy frameworks, and build institutional capacity for scale.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Onemoney competitors and assessment
Company assessmentBroad incumbents
- TrueLayer: TrueLayer provides open banking APIs and account aggregation across the UK and Europe. Comparable to OneMoney in offering consent-based financial data connectivity to fintechs and lenders.
- Tink (Visa): Tink, owned by Visa, is a European open banking platform offering account aggregation, PSD2 connectivity, and financial data APIs. Comparable to OneMoney in providing bank connectivity and transaction data services.
- Plaid: Plaid is the global leader in account aggregation and open banking connectivity. Comparable to OneMoney in core AA functionality, though operating at much larger scale and primarily in US/EU markets.
- Yodlee (Envestnet): Yodlee is a long-standing account aggregation and financial data platform serving global financial institutions. Comparable to OneMoney in core account aggregation capabilities, with broader wealth and PFM offerings.
- Finicity (Mastercard): Finicity, now part of Mastercard, offers open banking connectivity and account aggregation. Comparable to OneMoney in providing consumer-permissioned financial data access to lenders and fintechs.
- MX: MX Technologies provides account aggregation, financial data connectivity, and money management APIs primarily to US financial institutions. Closely comparable to OneMoney's AA infrastructure and consent-based data sharing model.
Emerging players
- Setu: Setu provides open finance APIs and account aggregation infrastructure in India for lending, payments, and KYC. Competes with OneMoney in serving fintechs and lenders with consent-based financial data.
Direct peers
- Perfios: Perfios is an India-based financial data aggregation and analysis platform serving lenders and fintechs. Competes with OneMoney in providing aggregated financial data for underwriting and onboarding workflows.
- CAMS (Computer Age Management Services): CAMS is an RBI-licensed Account Aggregator and one of India's largest mutual fund RTAs. Co-invested with OneMoney in Sahamati and competes directly in the AA ecosystem, particularly for mutual fund and depository data.
- Finvu: Finvu is another RBI-licensed Account Aggregator operating in India's AA framework with overlapping FIP integrations and FIU customers. Direct competitor for consent-driven financial data sharing.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Onemoney social profiles
Digital presenceOnemoney compliance and trust
Trust signalCompliance3 records
Onemoney financial estimates
Financial estimateRevenue estimate
Valuation estimate
Onemoney leadership team
Management profileNumber of profiles
Profiles3 records
Onemoney funding detail
Funding detailFunding overview
Funding rounds5 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Onemoney M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Onemoney
What does Onemoney do?
OneMoney operates India's first RBI-licensed NBFC Account Aggregator platform that enables consent-driven, encrypted financial data sharing between Financial Information Providers (banks, mutual funds, insurance companies, equities, GSTN, NPS) and Financial Information Users (lenders, fintechs, wealth managers). It provides a standardized consent management system, white-label SDK and web journeys for B2B integration, and customizable UI/UX for partner platforms, while serving Data Principals (end users) free of charge.
Is Onemoney a public or private company?
Onemoney is a private company. It is classified as corporate owned and is currently operating.
When was Onemoney founded?
Onemoney was founded in 2016. It employs 11 to 50 people.
Where is Onemoney based?
Onemoney is headquartered in Hyderabad, India, in the Asia region.
How does Onemoney make money?
One revenue line is on record: saaS Data Packet Fees.
Who are Onemoney's main competitors?
Broad incumbents on record are TrueLayer, Tink (Visa), Plaid, Yodlee (Envestnet), Finicity (Mastercard) and MX. Setu is listed as an emerging player. Direct peers are Perfios, CAMS (Computer Age Management Services) and Finvu.
Does Onemoney have an API?
No public API is recorded for Onemoney.
What industry is Onemoney in?
Onemoney's product category is Open Banking Infrastructure. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGACAC, Customer Permissioning & Consent Management (OAuth, scopes, revocation). Its NAICS code is 522320 and its SIC code is 6199.