One, Inc.

One Inc provides a specialized digital payments platform for the insurance industry, consolidating premium collection and claims disbursement. Its integrated system centralizes transactions, featuring digital engagement, automated reconciliation, and robust security. This allows insurance carriers to manage payments efficiently, enhancing the policyholder experience.

Christopher Ewing and Tim Tyannikov founded One Inc in 2012, recognizing the insurance sector's need for a dedicated, integrated payment network. Ewing, now Chief Strategy Officer, co-established the company to modernize complex insurance transactions. Their insight created a singular platform for industry payment demands.

The platform serves insurance carriers, streamlining interactions with policyholders and vendors. One Inc’s vision is to elevate the payment experience across the insurance ecosystem, boosting operational efficiency and providing convenient options for insureds. The company aims to remain the leading digital payments network exclusively for the insurance industry.

High-Level Overview

One Inc is a leading digital payments platform exclusively focused on the insurance industry, modernizing premium payments and claims disbursements through a unified, customer-centric network.[1][2][3] It serves over 270 insurance carriers, including 10 of the top 15 U.S. insurers, regional P&C carriers, MGAs, TPAs, and insurtechs, processing $100 billion in annual run rate payments while cutting costs, enhancing security, and improving customer experiences.[2][3] With 1,150+ employees across offices in Folsom, California; Knoxville, Tennessee; and Puerto Vallarta, Mexico, the company achieved 55% revenue growth in 2024—its third consecutive year above 50%—and powers diverse payment options, multi-channel communications, and rapid claim settlements for complex cases.[1][2]

Origin Story

Founded in 2012, One Inc was established to revolutionize insurance payments with a seamless, industry-tailored network.[3] Chief Strategy Officer and co-founder Chris Ewing has been instrumental in shaping its mission to enable "payments to anyone, anywhere, anytime" using modern technology.[5] From early traction serving carriers with premium and claims solutions like PremiumPay® and ClaimsPay®, the company scaled rapidly, hitting over $70 billion in annual payment volumes for 240+ carriers by recent years and expanding to its current 270-client base amid consistent high growth.[2][3] Pivotal moments include securing blue-chip Tier 1 customers and partnerships with investors like Nordic Capital and Great Hill Partners, fueling digitization efforts.[2][3]

Core Differentiators

• Insurance-Exclusive Focus: Operates solely in insurance, navigating its unique complexities with tailored solutions for premiums, claims, and vendor networks of 700,000+ providers, unlike general fintechs.[1][3]
• Unified Platform: Combines PremiumPay® and ClaimsPay® for end-to-end payments, multi-channel communications, and fast settlements, adopted by over one-third of its carriers for streamlined workflows.[2]
• Security and Compliance: Holds top-tier PCI certification, fraud detection via monitoring and behavioral analysis, and handles IRS/federal agency interactions, reducing risk for carriers.[1]
• Growth and Scale: Processes billions annually with 50%+ YoY growth, serving top insurers; backed by PE firms like Nordic Capital for expansion.[2][3]
• Customer-Centric Innovation: Emphasizes ease-of-use, cost reduction, and superior experiences, earning trust from 290+ carriers through expert teams and core values like "Own it" and "Wow Everyone."[1]

Role in the Broader Tech Landscape

One Inc rides the insurtech wave of digital transformation, addressing legacy payment friction in a $1.2 trillion U.S. property & casualty market where carriers seek efficiency amid rising cyber threats and customer demands for speed.[2][3] Its timing aligns with post-pandemic acceleration in digital payments and regulatory pushes for secure, contactless transactions, positioning it to capture share from outdated systems.[1] Market forces like insurtech disruption and PE investments (e.g., Nordic Capital's focus on North American Tier 1 expansion) favor its vendor-agnostic network, influencing the ecosystem by standardizing payments, enabling faster claims (even complex ones), and fostering innovation for carriers, consumers, and 700,000+ vendors.[3] As one of Deloitte's 2025 Technology Fast 500, it sets benchmarks for specialized fintech scaling.[8]

Quick Take & Future Outlook

One Inc is poised for accelerated dominance in insurance payments, targeting further Tier 1 wins and full ecosystem digitization with Nordic Capital's support.[3] Trends like AI-driven fraud prevention, embedded insurance, and global expansion (beyond North America) will shape its path, potentially doubling volumes as carriers consolidate on unified platforms.[2] Its influence may evolve from payments leader to insurtech enabler, powering broader workflows—building on 2024's momentum to sustain 50%+ growth and redefine carrier operations.[2] This positions One Inc as a thriving force modernizing a trillion-dollar industry from its customer-first foundation.[1]