One Link Wallet

What One Link Wallet does

One Link Wallet is an Irish FinTech company founded in 2023 and headquartered in Dublin that operates a financial-messaging rail and routing layer connecting regional eWallet platforms globally. The company provides a hub-and-spoke interoperability layer that translates formats, enforces compliance, and routes transaction instructions between sending and receiving parties, with low latency and audit-ready traceability, rather than acting as a wallet provider or payment processor itself.

The product surface comprises two REST-based API offerings built atop the core messaging rail. The Wallet-to-Wallet API (v2.0) enables creation, tracking, and cancellation of transfers between eWallets using OAuth 2.1 client credentials with JWT access tokens, optional mTLS, idempotency keys (UUIDv4, 24-hour window), HMAC-SHA256 signed webhooks with 300-second timestamp skew tolerance and replay defense, and a five-state transfer lifecycle (accepted, processing, processed, failed, canceled) with inline risk decisioning. The Fiat-to-Crypto Gateway API (v2) extends the platform to hosted fiat card deposits that settle in cryptocurrency via a secure redirect flow with 3DS authentication and signed webhooks. Underlying infrastructure mandates TLS 1.2+ (preferring 1.3), FIPS 140-3 validated cryptographic modules, secrets in KMS/HSM, RFC 7807 error responses, RFC 9331 rate-limit headers, ISO 4217/3166-1 standards, W3C Trace Context propagation, and structured JSON logging with tamper-evident audit trails. Node.js and Python samples are published alongside the documentation.

One Link Wallet operates an API-first, developer-led go-to-market with a self-serve sandbox and human-assisted production onboarding. Target customers are B2B integrators at regional eWallet platforms (primary), FX exchanges, and payment platforms and businesses, with no consumer-facing offering. The revenue model is transaction-based, with consumption fees tied to API messaging volume, transfer value, or API call frequency on the Wallet-to-Wallet rail and transaction processing fees on the Fiat-to-Crypto Gateway; specific pricing is not publicly disclosed. The firm is privately held, employs 1-10 people, has no disclosed funding rounds or named investors, and publishes no customer logos or case studies in the available source material.

Name

One Link Wallet

Legal name

One Link Wallet

Website

https://onelinkwallet.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

One Link Wallet is an Irish B2B FinTech providing an API-based financial-messaging rail that connects regional eWallet platforms, FX exchanges, and payment companies for cross-border transfer messaging, with a separate fiat-to-crypto gateway API for hosted card deposits settling in cryptocurrency.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Miscellaneous Intermediation (523910)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro industry

PRIMARYBPAMAFAK

Cross-Border & FX Payments Platforms

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

SECONDARYFSAGAKAH

Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity)

Financial & Insurance/Financial Technology (Fintech)/Remittance & Cross-Border Money Movement

SECONDARYFSAMAEAL

International / Multi-Currency Wallets

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

SECONDARYFSADACAD

Wallet Infrastructure (SDKs, Wallet-as-a-Service)

Financial & Insurance/Crypto & Digital Assets/Custody, Key Management & Wallet Infrastructure

Keywords

• Cross-border payments
• Financial messaging rail
• Wallet interoperability
• Fiat-to-crypto gateway
• Payment infrastructure

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API Transaction/Messaging Fees: One Link Wallet charges for the financial messaging services it provides between sending and receiving eWallet platforms. As a B2B middleware connecting regional payment platforms, the revenue model is consumption-based, with fees likely tied to message volume, transfer value, or API call frequency. The company positions itself as a messaging rail serving businesses and organizations, suggesting transaction or usage-based pricing rather than flat subscriptions.
2. Fiat-to-Crypto Gateway Services: The Fiat-to-Crypto Gateway API provides hosted payment page services for fiat card deposits settling in cryptocurrency. This service likely generates revenue through transaction processing fees on card deposits converted to crypto.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

One Link Wallet operates a financial messaging rail and routing layer that connects regional eWallets worldwide, providing secure REST APIs (Wallet-to-Wallet API v1 and Fiat-to-Crypto Gateway API v2) for creating, tracking, and settling cross-border transfers between sending and receiving parties. The platform translates formats across disparate regional wallet ecosystems, enforces compliance checks and fraud signals, and delivers low-latency, audit-ready traceability for financial messaging. It serves businesses and organizations — primarily regional eWallet platforms, FX exchanges, and payment companies — rather than end consumers.

Product overview

One Link Wallet operates as a unified platform offering two API products built atop its core financial-messaging rail. The core One Link Wallet platform provides the interoperable messaging infrastructure connecting regional eWallets globally. The Wallet to Wallet API (v1) exposes this rail for programmatic creation and tracking of transfers between wallets. The separate Fiat-to-Crypto Gateway API (v2) extends the platform to enable fiat-to-cryptocurrency on-ramps via hosted payment pages. The architecture layers format translation, compliance enforcement, fraud/risk scoring, and settlement on top of real-time messaging rails.

Differentiator

Problem solved

Functional benefit

Products and services

• One Link Wallet Platform Core financial-messaging platform connecting regional eWallets via a secure, interoperable routing layer. Provides instant, reliable exchange of cross-border transaction instructions with format translation, compliance enforcement, fraud signals, low-latency routing, audit-ready traceability, and seamless settlement between sending and receiving parties worldwide. Targets regional eWallet platforms, FX exchanges, and payment businesses.
• Wallet-to-Wallet API (v1) REST API enabling creation, tracking, and cancellation of wallet-to-wallet transfers between regional eWallet platforms. Features OAuth 2.1 client-credentials authentication with JWT access tokens, optional mTLS, HMAC-SHA256/JWS (RS256) signed responses and webhooks, idempotency keys, RFC 9331 rate-limit headers, risk-decision scoring, and a five-state transfer lifecycle (accepted, processing, processed, failed, canceled). Sandbox at api.sandbox.onelinkwallet.com/v1 and production at api.onelinkwallet.com/v1. Targets businesses and organizations requiring programmatic access to the One Link Wallet messaging rail.
• Fiat-to-Crypto Gateway API (v2) REST API (v2) enabling fiat card deposits that settle in cryptocurrency through a secure, hosted payment page. Handles card entry, 3D Secure authentication, and settlement via a redirect flow, returning results via signed webhooks. Supports OAuth 2.1/API key authentication, mTLS, signed webhooks, idempotency keys, RFC 7807 errors, RFC 9331 rate-limit headers, and W3C Trace Context. Sandbox at sandbox.onelinkwallet.com/v2 and production at secure.onelinkwallet.com/v2. Targets merchants and platforms building fiat-to-crypto on-ramps.

Quantifiable outcome

• Low-latency financial messaging for cross-border transfers between regional platforms
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature8 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Fireblocks: Fireblocks provides wallet infrastructure, custody, and payment connectivity for digital assets, including cross-border settlement rails. While primarily crypto-native and institutional, its wallet-as-a-service and routing capabilities overlap with parts of One Link Wallet's stack.
• Wise (TransferWise): Wise is a global cross-border money movement platform serving both consumers and businesses. While more consumer-facing, its B2B and platform offerings intersect with One Link Wallet's cross-border payment messaging and FX-routing proposition.
• Ripple: Ripple operates RippleNet, a cross-border payment messaging and settlement network used by banks and payment providers globally. While much larger and focused on bank-grade corridors, it competes in the same cross-border payment messaging space One Link Wallet targets.
• Circle: Circle operates USDC stablecoin payment infrastructure and cross-border settlement rails for businesses and platforms. Its blockchain-based payment messaging and stablecoin rails compete with portions of One Link Wallet's fiat-to-crypto and cross-border proposition.
• SWIFT gpi: SWIFT's global payments innovation (gpi) service provides real-time cross-border payment tracking and messaging for 11,000+ institutions. As the incumbent financial-messaging rail, it represents the long-term competitive benchmark for any cross-border payment messaging layer.

Direct peers

• Nium: Nium provides an API-first cross-border payment infrastructure platform enabling real-time payouts to cards, wallets, and bank accounts across 190+ countries. Its developer-centric, API-led model targeting payment platforms is structurally similar to One Link Wallet's GTM.
• Thunes: Thunes operates a cross-border payments network connecting mobile wallets, neobanks, and financial institutions across 130+ countries. It is the closest direct competitor to One Link Wallet, addressing the same pain point of regional eWallet interoperability through a hub-and-spoke architecture.
• MoonPay: MoonPay provides fiat-to-crypto on-ramp infrastructure via a hosted payment page, very similar in mechanics to One Link Wallet's Fiat-to-Crypto Gateway API (v2) offering, including 3DS authentication and developer-first API integration.
• TerraPay: TerraPay is a cross-border payment network specifically built to interconnect mobile wallets, banks, and payment platforms globally. Like One Link Wallet, it targets interoperability between regional payment ecosystems and serves as a messaging/settlement layer.

Emerging players

• Transak: Transak is a fiat-to-crypto on-ramp and off-ramp provider that integrates via APIs and SDKs into wallets and dApps. It is directly comparable to the Fiat-to-Crypto Gateway portion of One Link Wallet's product suite, though broader in its global wallet coverage.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/one-link-wallet-limited

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

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 One Link Wallet