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Launch financial services in days, not years

We help organisations embed financial services like accounts, improved payments and credit within their products.

Launch financial services in days, not years

We help organisations embed financial services like accounts, improved payments and credit within their products.

Build on the APIs from trusted partner banks and fintechs

You don’t have to reinvent the wheel

We turn complex infrastructure into simple code so you can focus on building market-defining products. Our partner banks and fintechs have provided most of the underlying infrastructure you need to create your product as a service, so you can focus on what matters most – Customer experience and acquisition. 

Unified by a common standard.

A single gateway aggregates financial services from industry leaders, and combines them in unique ways to create brand new propositions while cutting resources typically spent managing multiple integrations and negotiating contracts.

What you can achieve with OnePipe

OnePipe facilitates your profitable participation in the fintech ecosystem

Launch a digital bank

Drive more revenue from your digital assets. Grow your fintech partnerships to increase customer deposits. Explore more

Process payments efficiently

Drive more revenue from your digital assets. Grow your fintech partnerships to increase customer deposits. Explore more

Assign and Operate Accounts

Rather than a closed scheme wallet that potentially exposes you to regulatory scrutiny, you can issue actual bank accounts with some value-added benefits.

Launch a Credit Product

You can provide non-collateralized credit or credit at the point of payment, to your customers; underwritten by yourself or our partners.

Facilitate Wealth Growth

Provision savings and investment solutions for your loyal customers, thereby consolidating your relationship with them and supporting their growth.

Drive Financial Inclusion

Supercharge financial inclusion at the grassroots level via digital agents providing basic financial services that are laced with a combination of incentives.

What’s in the box

A set of core financial services which when combined in creative ways, give you the leverage you deserve. With lots of room to grow. 

Account Provisioning

APIs and tools to create regulatory compliant NUBAN accounts for your customers that you can fully operate and manage via APIs for many use cases.

Payments Initiation

APIs to execute payments and standing instructions from bank accounts, supported by data to enable you offer personalised financial products.

Credit Origination

APIs to evaluate, issue and administer loans as well as credit-based payments to your customers and a choice of either underwriting the credit or not.

Simple, clean, consistent APIs

Standardized and consistent interfaces

Diverse and growing list of providers

An ever evolving catalog of services


curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_accounts_min",
  "auth": {
    "type": "card",
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
        "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "otp_override": true
    }
  }
}'
          
          

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"lookup_nin_mid",
  "auth": {
    "type": "nin", 
    "secure": "{{auth.nin}}",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "b_key":"a_meta_value_2"
    },
    "details": {
    }
  }
}'
          
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
    "request_ref": "111111111",
    "request_type": "open_account",
    "auth": {
        "type": null,
        "secure": null,
        "auth_provider": "Demoprovider",
        "route_mode": null
    },
    "transaction": {
        "mock_mode": "live",
        "transaction_ref": "{{transaction-ref}}",
        "transaction_desc": "A random transaction",
        "transaction_ref_parent": null,
        "amount": 0,
        "customer": {
            "customer_ref": "DemoApp_Customer007",
            "firstname": "Uju",
            "surname": "Usmanu",
            "email": "ujuusmanu@gmail.com",
            "mobile_no": "234802343132"
        },
        "meta": {
            "a_key": "a_meta_value_1",
            "another_key": "a_meta_value_2"
        },
        "details": {
            "name_on_account": "Tobi Olajide",
            "middlename": "string",
            "otp_override": true,
            "dob": "yyyy-MM-dd-HH-mm-ss",
            "gender": "M",
            "title": "Mr",
            "address_line_1": "23, Okon street, Ikeja",
            "address_line_2": "Ikeja",
            "city": "lagos",
            "state": "lagos",
            "country": "NG"
        }
    }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_statement",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
        "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
        "start_date": "2019-06-01",
        "end_date": "2019-06-01",
        "otp_override": true
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"lookup_nuban",
  "auth": {
    "type": null,
    "secure": null,
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "account_number":"3065570057"
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature:  3a2b58350e8068507e6b5bff106850a5' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"collect",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "DemoProvider",
    "route_mode":null
  },
  "transaction": {
    "mock_mode": "inspect", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": "", 
    "amount": 10000,
    "customer":{
      "customer_ref": "Jhon",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details":null
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
    "request_ref": "111111111",
    "request_type": "disburse",
    "auth": {
        "type": null,
        "secure": null,
        "auth_provider": "Demoprovider",
        "route_mode": null
    },
    "transaction": {
        "mock_mode": "live",
        "transaction_ref": "{{transaction-ref}}",
        "transaction_desc": "A random transaction",
        "transaction_ref_parent": null,
        "amount": 1000,
        "customer": {
            "customer_ref": "DemoApp_Customer007",
            "firstname": "Uju",
            "surname": "Usmanu",
            "email": "ujuusmanu@gmail.com",
            "mobile_no": "234802343132"
        },
        "meta": {
            "a_key": "a_meta_value_1",
            "another_key": "a_meta_value_2"
        },
        "details": {
            "destination_account": "2363262632",
            "destination_bank_code": "011"
        }
    }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_balance",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
        "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "otp_override": true
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact/options' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_a_loan",
  "auth": {
    "type": null, 
    "secure": null,
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": { }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"get_a_loan",
  "auth": {
    "type": "bank.account", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode": null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": null, 
    "amount": 0,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
        "lender_code": "129930093",
        "lender_product_code": "3290039",
        "lender_offer_id": "offer-007",
        "consent_token": "W4236777yxref$12",
        "destination_account": "00001111222",
        "destination_bank_code": "011"
    }
  }
}'
        
        

curl --location --request POST 'https://api.onepipe.io/v2/transact/options' \
--header 'Authorization: Bearer dthEjKlKSL30mNVwbpne_0e1a5973b7a2430bbc6d2f6032ea17f1' \
--header 'Signature: 3a2b58350e8068507e6b5bff106850a5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request_ref":"111111111", 
  "request_type":"buy_airtime",
  "auth": {
    "type": "wallet", 
    "secure": "s2LsV7Ka2mi6SLbjuDIVmrxANCldBJFxAZ5Y0ckQnXs=",
    "auth_provider": "Demoprovider",
    "route_mode":null
  },
  "transaction": {
    "mock_mode": "live", 
    "transaction_ref": "{{transaction-ref}}", 
    "transaction_desc": "A random transaction", 
    "transaction_ref_parent": "", 
    "amount": 10000,
    "customer":{
      "customer_ref": "DemoApp_Customer007",
      "firstname": "Uju",
      "surname": "Usmanu",
      "email": "ujuusmanu@gmail.com",
      "mobile_no": "234802343132"
    },
    "meta":{
      "a_key":"a_meta_value_1",
      "another_key":"a_meta_value_2"
    },
    "details": {
      "telco_code": "mtn"
    }
  }
}'
        
        

The Principles behind OnePipe

Uniform Interfaces

OnePipe provides a standard, simple and unified API interface which combines all feature sets available across numerous providers with the ability to easily switch from one provider to the other without changing code or integration.

Combined Resources

OnePipe facilitates innovation, efficiency and productivity amongst its partners, the innovators leverage the standardized APIs from providers to create value for their unique use cases in their various industries

Growing Together

Both providers and innovators partake significantly in the value they create. As providers earn “fintech money” through the monetization of their digital assets, innovators consuming these APIs also build better products which results in growth

Feedback from our customers

"Our partnership with OnePipe has supercharged our journey towards creating shared prosperity among oil palm farmers in Nigeria and we hope in the long term across every crop across the continent. OnePipe has also facilitated the development of digital financial footprints for the farmers thereby unlocking credit lines and other benefits."

Client Logo
Uzoma Ayogu CTO, Releaf Africa

"We set out to make credit available to everyone especially to those populations typically excluded by traditional credit bureaus. Partnering with OnePipe has afforded our customers the seamless experience of paying back loans securely. "

Client Logo
Winston Osuchukwu MD, MIGO

"Our collaboration with OnePipe has helped us accelerate our mission to provide a unified distribution platform that digitizes the FMCG supply chain nationwide. OnePipe is helping us to embed financial services deeply within our platform such that payments for services is frictionless resulting in timely order fulfilment."

Client Logo
Deepanker Rustagi Co-Founder, OMNIBIZ

Some organisations are already building on OnePipe