ONE.io

ONE.io (legal entity: Oneio International Limited) is a UK-based B2B financial services platform founded in 2017. The company began as an OTC digital asset trading desk and has since expanded into a full-suite fintech offering business accounts, global payments, foreign exchange, and cryptocurrency trading and payment acceptance. Its target market is businesses in high-risk or innovative sectors—crypto exchanges, iGaming operators, digital asset platforms—that regularly face account restrictions or closures from mainstream banks.

Product Lines

ONE.io operates through two main product divisions.

ONE.io Connect provides multi-currency named business accounts in GBP, USD, and EUR, along with cross-border payment capabilities and spot FX. Supported payment rails include SWIFT for international wire transfers, SEPA for euro-zone payments, Faster Payments for GBP transactions up to £250,000 (typically settling within 20 minutes), and CHAPS for high-value same-day GBP transfers with no upper limit on transaction size. The accounts come with dedicated IBANs, allowing businesses to receive payments directly from counterparties and payment networks worldwide.

ONE.io Fusion is the company's crypto-focused arm. It provides digital asset trading, crypto custody, and crypto payment acceptance in an integrated environment. An automated trading platform was added to the Fusion offering in November 2024. Because Fusion integrates directly with Connect accounts, businesses can convert crypto receipts to fiat and settle into named IBANs without manual off-ramping or reliance on third-party exchange infrastructure.

ONE Gateway

In May 2025, ONE.io launched ONE Gateway in partnership with BoomFi, a specialist crypto payment infrastructure provider. ONE Gateway enables ONE.io business clients to accept cryptocurrency payments through multiple channels: invoices, pay links, embedded checkout flows, and recurring billing arrangements. Incoming payments are automatically converted to fiat and settled into the client's ONE.io IBAN, removing the need for businesses to manage digital asset custody in-house. The feature is aimed at online merchants, SaaS businesses, and platforms that want to offer crypto payment options without the operational complexity of holding crypto on their balance sheet.

"Crypto payments are no longer an emerging trend, they're a growing expectation," said James Gordon, COO of ONE.io, at the product's launch.

Infrastructure and API Access

ONE.io exposes a documented REST API, available at docs.one.io, built on a multi-bank partnership model. It provides programmatic access to account management, payment submission and tracking, transaction history, and crypto custody account management with whitelisted withdrawal addresses. Webhook verification is supported for event-driven integration workflows.

Authentication uses a dual-layer approach: OAuth2 JWT tokens with a one-hour validity window, combined with custom AES-GCM-SIV encrypted tokens. A sandbox environment is available by request, and new clients are required to complete sandbox testing and certification before being granted production API access. The documentation positions the platform for businesses that need to embed banking and payment functionality into their own applications.

The company also maintains a high-capacity USD payment rail supporting international SWIFT transfers and domestic USD settlement via ACH and Wire, specifically designed for digital asset and iGaming clients moving large volumes across borders.

Regulatory Standing

ONE.io has obtained financial services licences across multiple jurisdictions as it has expanded:

• UK FCA Payment Institution licence — granted July 2020, covering payment services including money remittance and account services
• Canada FINTRAC Money Services Business registration — granted June 2023
• BVI FSC Virtual Asset Service Provider registration — granted March 2024

The company notes on its website that Oneio International Limited does not actively solicit clients in the European Union.

Company Background and Recent Developments

ONE.io was founded in 2017 and is headquartered in the United Kingdom. The company published a refreshed brand identity in June 2025 and appointed Jovi Overo as Chief Executive Officer in September 2025. A mobile application was launched in November 2023, giving clients account access and payment initiation from their devices.

The company's Insights blog covers topics relevant to its client base, including digital asset treasury management, cross-border payment infrastructure (such as the TARGET2/T2 European system), foreign exchange market dynamics, and the impact of alternative payment methods on digital businesses. Published case studies include Yolo Group, a digital asset gambling and sports betting operator that uses ONE.io for business banking in sectors that traditional financial institutions typically decline.

ONE.io's proposition rests on the gap between the banking needs of crypto-adjacent businesses and what conventional financial institutions are willing to provide. By combining FCA-regulated payment accounts, multi-rail global payments, and integrated crypto services under one roof, the platform aims to be a single financial counterparty for high-risk industry operators that would otherwise need to piece together relationships across multiple providers.