Onepipe

OnePipe is a fintech API infrastructure and Banking-as-a-Service (BaaS) platform for financial institutions and businesses that want to launch embedded financial services through standardized APIs.

Key capabilities include:

• Accounts and wallets: Determine whether a customer has an account at a specific bank (Get Accounts) and open accounts/wallets using BVN (Open Account) to support onboarding and account provisioning.
• KYC and identity checks: Validate customer information using National Identification Number (Lookup NIN) to support compliance checks before onboarding.
• Payments and money movement: Initiate collections from customer bank accounts (Collect) and send payouts/disbursements to customer accounts (Disburse), plus supporting lookups such as Lookup NUBAN to identify the bank behind an account number.
• Financial activity and add-ons: Retrieve balances and statements (Get Balance, Get Statement), access loan offers and issuance flows (Get a Loan Offers/Accept), and support airtime purchase via API (Buy Airtime).

Available on Web (console) and via API.

Target users include banks and other financial institutions, fintechs, and non-financial businesses (for example retail, FMCG, agriculture, and lending platforms) that need virtual accounts, KYC verification, collections, disbursements, and account management without building the integrations from scratch.

The platform is notable in the African fintech ecosystem for its partnerships, including UBA for virtual accounts infrastructure across African countries where UBA operates, Fidelity Bank for account-to-account payments, and Polaris Bank for open banking APIs. OnePipe also reported raising $3.5M seed funding (2021) and processing 6.3M+ transactions across 1M+ accounts and 138+ businesses (as of late 2021).