OneZone
OneZone Pay Technologies Private Limited, operating as OneZpay, is a Hyderabad-based Indian fintech and Lending Service Provider that facilitates instant digital personal loans of ₹1,000–₹2,00,000 for salaried professionals across Pan India via a mobile app, partnered with RBI-registered NBFC Goyal Associates Limited.
- Company typePrivate
- Founded2025
- HeadquartersHyderabad, India
- Headcount—
- GTM typeB2C
- OfferingServices
What OneZone does
OneZone Pay Technologies Private Limited is an Indian fintech incorporated in 2025 and headquartered in Hyderabad, Telangana, operating the consumer lending brand OneZpay. The company is a technology-only intermediary and does not lend on its own balance sheet: it is registered as a Lending Service Provider (LSP) that originates, KYC-verifies, and services personal loan applications on behalf of an RBI-registered NBFC partner, Goyal Associates Limited, which performs underwriting, sanction, disbursement, and collection. The core product is a mobile-first Android app available on Google Play Store with a supporting website (onezpay.in), targeting salaried Indian residents aged 21–50 earning at least ₹20,000 per month with a 650+ credit score, offering personal loans of ₹1,000–₹2,00,000 over 2–12 month tenures at interest rates of 12–36% p.a. and processing fees of 4–9%.
The platform's technical stack combines AI-assisted credit assessment across the four major Indian bureaus (CIBIL, Experian, Equifax, CRIF High Mark) with Aadhaar eKYC via DigiLocker and consent-based financial data retrieval through the RBI's Account Aggregator framework; bank-grade 256-bit AES encryption and SSL/TLS are used for data security. Supporting modules include an interactive EMI calculator and a digital KYC pipeline (Aadhaar, PAN, face liveness, optional video KYC). The platform runs on Microsoft Azure, uses Cashfree for payment orchestration, and depends on Digitap.ai for credit-analytics AI capability. Customer communication runs through a verified WhatsApp Business channel and a 24/7 support email.
The business model is transaction-fee based: OneZpay earns platform/service facilitation fees (effectively the 4–9% processing fee band referenced in the Key Fact Statement) on loans its NBFC partner sanctions, with no disclosed balance-sheet risk, no subscription or advertising revenue, and no disclosed institutional funding. Distribution is purely digital and product-led — SEO content pages targeting city-specific personal-loan search terms, an EMI calculator as a mid-funnel utility, a 'Notify Me' pre-launch waitlist, and customer testimonials drive top-of-funnel demand. The company is currently in pre-launch mode with the app 'launching soon', so no revenue, headcount, or funding figures have been disclosed.
OneZone firmographics
Firmographics- Name
- OneZone
- Legal name
- OneZone Pay Technologies Private Limited
- Website
- https://onezpay.in
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Short description
- OneZone Pay Technologies Private Limited, operating as OneZpay, is a Hyderabad-based Indian fintech and Lending Service Provider that facilitates instant digital personal loans of ₹1,000–₹2,00,000 for salaried professionals across Pan India via a mobile app, partnered with RBI-registered NBFC Goyal Associates Limited.
- Ownership category
- akta.pro rank
OneZone industry classification
Industry- Product category
- Digital Consumer Lending
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where OneZone is headquartered
LocationHeadquarters
- HQ city
- Hyderabad
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
OneZone business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform/Service Facilitation Fees: OneZpay acts as a Lending Service Provider (LSP) facilitating loans between borrowers and RBI-registered NBFC partner Goyal Associates Limited. Revenue is generated through platform and service facilitation fees charged to the lender or borrowers as permitted under RBI digital lending guidelines. Processing fees of 4%-9% based on risk profile are disclosed in the Key Fact Statement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Personal Loan: ₹1,000 - ₹2,00,000 with 2-12 month tenure |
| Other | Pay-as-you-go | EMI Calculator for loan planning |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
OneZone product offering
Product offeringCore offering
OneZpay is a 100% digital, paperless lending platform operated by OneZone Pay Technologies Private Limited. It facilitates personal loans ranging from ₹1,000 to ₹2,00,000 with tenures of 2 to 12 months for Indian salaried professionals, acting as a Lending Service Provider (LSP) in partnership with the RBI-registered NBFC Goyal Associates Limited. The platform uses AI-powered credit assessment combined with DigiLocker-based Aadhaar eKYC and the RBI Account Aggregator framework to deliver loan approval decisions in under 10 minutes and same-day disbursement.
Product overview
OneZone (OneZone Pay Technologies Private Limited) operates a single unified digital lending platform branded as OneZpay. The platform consists of the core OneZpay mobile app and website, which together provide end-to-end personal loan facilitation for salaried professionals. Supporting modules include a digital KYC verification module and an EMI calculator. The platform does not independently lend money; instead, it acts as a Lending Service Provider (LSP) facilitating loans originated by its NBFC partner Goyal Associates Limited. Users discover loan options, complete KYC, receive AI-powered credit decisions, and manage repayments through the OneZpay app, with loan disbursement and servicing handled by the lending partner.
Differentiator
Problem solved
Functional benefit
Products and services
- OneZpay Digital Lending Platform A mobile-first digital lending platform facilitating instant personal loans of ₹1,000 to ₹2,00,000 over 2-12 month tenures for Indian salaried professionals, acting as a Lending Service Provider (LSP) in partnership with RBI-registered NBFC Goyal Associates Limited. Combines AI-powered credit assessment, Aadhaar eKYC via DigiLocker, multi-bureau credit checks, and the RBI Account Aggregator framework to deliver loan approval in under 10 minutes and same-day disbursement.
- OneZpay Mobile App Standalone Android application published on Google Play Store that lets salaried users register with their mobile number, complete digital KYC, apply for personal loans, view EMI schedules, and manage loan repayments entirely from a phone without branch visits or physical documentation.
Quantifiable outcome
- Loan approval in under 10 minutes
- +3 more outcomes
Companies that use OneZone
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
OneZone technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability7 records
Feature5 records
OneZone partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DigiLockercoreGovernment-authorized digital document wallet platform used for Aadhaar eKYC verification. OneZpay integrates with DigiLocker to enable paperless identity verification without physical document submission.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
OneZone competitors and assessment
Company assessmentDirect peers
- Fibe (formerly EarlySalary): Digital lending app providing instant personal loans and salary advances to salaried employees; comparable mobile-led, salaried-segment positioning with similar ticket sizes.
- CASHe: AI-driven digital lending platform providing personal loans to salaried and self-employed professionals with quick disbursement — directly comparable use case and AI underwriting approach.
- NIRA: Fintech offering small-ticket personal loans to salaried professionals through a fully digital process — directly comparable ticket size, tenure range, and salaried-segment focus.
- PaySense: Digital personal loan platform for salaried and self-employed borrowers in India; directly competes in the same short-tenure, small/mid-ticket personal loan category.
- mPokket: Instant small-ticket loans for salaried students and young professionals via mobile app — same small-ticket, mobile-first, salaried-segment profile as OneZpay.
- MoneyTap: App-based personal credit line product for salaried individuals with flexible repayments — overlaps directly in target customer, digital KYC, and instant-decision lending.
- KreditBee: One of India's largest digital lending platforms for salaried and self-employed individuals, offering small-ticket personal loans via a mobile-first flow — same target customer and product shape as OneZpay.
- LazyPay: Buy-now-pay-later and personal credit product for salaried consumers in India, operated as an LSP-style digital lending product — comparable salaried-segment focus and short-tenure credit.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
OneZone compliance and trust
Trust signalCompliance4 records
OneZone financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneZone leadership team
Management profileNumber of profiles
Profiles1 record
OneZone funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneZone 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 OneZone
What does OneZone do?
OneZpay is a 100% digital, paperless lending platform operated by OneZone Pay Technologies Private Limited. It facilitates personal loans ranging from ₹1,000 to ₹2,00,000 with tenures of 2 to 12 months for Indian salaried professionals, acting as a Lending Service Provider (LSP) in partnership with the RBI-registered NBFC Goyal Associates Limited. The platform uses AI-powered credit assessment combined with DigiLocker-based Aadhaar eKYC and the RBI Account Aggregator framework to deliver loan approval decisions in under 10 minutes and same-day disbursement.
Is OneZone a public or private company?
OneZone is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was OneZone founded?
OneZone was founded in 2025.
Where is OneZone based?
OneZone is headquartered in Hyderabad, India, in the Asia region.
How does OneZone make money?
One revenue line is on record: platform/Service Facilitation Fees.
Who are OneZone's main competitors?
Direct peers on record are Fibe (formerly EarlySalary), CASHe, NIRA, PaySense, mPokket, MoneyTap, KreditBee and LazyPay.
Does OneZone have an API?
No public API is recorded for OneZone.
What industry is OneZone in?
OneZone's product category is Digital Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 5223 and its SIC code is 6141.