Defend yourmoney
Onalys builds financial technology for card decisions, business spend, records, merchant workflows, agentic wallets, coach communities, chat automation, developer integrations, and future banking.
Example payment match
Finding the strongest grocery card
Products
Nine products, one clear system.
Wallet handles daily card decisions. Business handles teams. Ledger handles records. Merchants handles partner workflows. Agent handles no-code automation. Coach handles creator-led communities. Chat handles messaging channels. Developers handle embedded integrations. Bank is the future account layer.
Onalys Wallet
Personal users, freelancers, owner-operators
Card choice, credit usage, spending insight, and money rules for the cards people already carry.
Onalys Business
Companies, finance teams, employers
Employee spend controls, department budgets, approvals, company cards, receipts, and policy.
Onalys Ledger
Personal and business records
Bills, subscriptions, receipts, documents, exports, accounting sync, and reconciliation.
Onalys Merchants
Merchants, billers, brands
Verified offers, loyalty, biller links, subscription flows, and receipt enrichment for partners.
Onalys Agent
Link-like agentic wallet and no-code automation
A configurable agentic wallet for scoped payment mandates, best-card decisions, and money rules across everyday tools.
Onalys Coach
Creator-led financial coaching communities
Creators set a coaching voice, publish money rules, connect Instagram, Facebook, and other profiles, then share with followers.
Onalys Chat
Messaging-channel money automation
Money summaries, subscription-switch plans, payment rules, saved prompts, and approvals across chat channels.
Onalys Developers
Developers and technical teams
APIs for agentic payment plans, subscription-switch plans, authorization adapters, webhooks, and custom integrations.
Onalys Bank
Future first-party financial accounts
Future banking product for chequing, debit, e-Transfer, savings, registered accounts, and first-party accounts.
Onalys Market
A merchandise marketplace where people can buy Onalys products and support the company.
Who Onalys serves
Onalys is built for many kinds of people.
One payment decision layer can serve everyday users, teams, partners, financial coaches, no-code builders, and developers.
Everyday users
Wallet helps people choose cards, manage credit usage, keep personal and business spend clear, and understand spending.
Businesses
Business is for people who manage teams, company cards, budgets, approvals, departments, receipts, and spend policy.
Partners
Partners is for merchants, billers, and brands that need offers, loyalty, receipt enrichment, biller links, and customer payment workflows.
Financial coaches and creators
Coach helps creators build a community, set their voice, publish money rules, connect social profiles, and serve followers.
No-code builders
Agent is for people who want agentic wallets and automation without APIs. Chat brings those workflows into WhatsApp, Telegram, SMS, and other messaging apps.
Developers
Developers can add Pay with Onalys Wallet so their apps help people make better credit card choices at checkout.
Shared platform
One control layer behind every Onalys product.
Wallet, Business, Ledger, Merchants, Agent, Coach, Chat, Developers, and Bank sit on the same permission, policy, audit, provider, community, messaging, and developer primitives. That keeps each product focused while the underlying financial decisions stay consistent.
Consent and permissions
Rules and policy engine
Provider and merchant adapters
Agentic execution controls
Audit and reconciliation
Developer API primitives
Start with Onalys Wallet.
Use Wallet for daily card decisions, then move into the dedicated Onalys product that matches the job: teams, records, partners, agentic wallets, coaching communities, chat automation, developer integrations, or future banking.