OneZone

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.

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

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

• Digital lending platform
• Personal loan facilitation
• Mobile lending app
• AI credit assessment
• Salaried professional loans

Headquarters

HQ city

Hyderabad

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core 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

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability7 records

Feature5 records

Partnerships

One partnership is on record.

• DigiLockercoreTechnology or IntegrationGovernment-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

Direct 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

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 OneZone