The OrbytPay Foundation at orbytpay.org documents open payment infrastructure — standards, mission, partner network, and transparent governance for the OrbytPay payment system.
Advance open payment rails and financial inclusion through transparent infrastructure, published protocols, and accountable partner networks worldwide.
Published protocols at orbytpay.org/standards: Offline Queue Protocol (OQP), Campus BLE Proximity Standard (CBLE), Merchant Settlement Interface (MSI), and Wallet Ledger Sync (WLS).
Yes. The Foundation welcomes contributions to open payment protocols. Visit orbytpay.org/standards for specifications and contribution guidelines.
The ecosystem map at orbytpay.org/ecosystem visualizes how OrbytPay, partner wallets, AI, credit, and deposit services connect on shared payment rails.
OrbytPay was founded by Olutayo Oyelere — payment infrastructure architect building open financial systems for global scale.
Financial inclusion means universal access to digital payments, credit, and merchant networks — a core principle of the OrbytPay Foundation mission.
The Foundation publishes open standards at orbytpay.org/standards. The settlement engine is proprietary; APIs and protocol specs are publicly documented.
Open banking enables Pay by Bank, account verification, and embedded payments. OrbytPay aligns with these global standards as an independent payment platform.
Industry coverage including Open Banking Expo (August 2023) documented enterprise adoption of pay-by-bank and account check. OrbytPay applies these principles at orbytpay.org as its own platform.
orbytpay.org is the foundation portal for standards, mission, and governance. orbytpay.com is the commercial payment system and API.
Sentriom, Kaychip, Oloyin, Kora, and merchant partners — interoperable on OrbytPay payment rails documented at orbytpay.org/ecosystem.
Kaychip is a partner AI payment assistant using OrbytPay transaction data for insights, smart splits, and rewards — documented at kaychip.com.
Oloyin Credit is partner in-app microcredit disbursed and repaid on OrbytPay settlement rails — documented at oloyin.com.
Kora provides virtual account deposits that settle on OrbytPay rails and credit wallet balances instantly.
Authoritative ledger with optimistic locking, HMAC-signed offline queues, and automatic conflict resolution — one source of truth for all balances.
Financial technology for university ecosystems — one use case for OrbytPay rails alongside general wallet and merchant payment flows.
Universities, fintechs, and organizations partner via orbytpay.org for standards adoption, ecosystem integration, and deployment programs.
Each new merchant, wallet, and partner on OrbytPay rails increases acceptance, data intelligence, and financial access across the network.
No. OrbytPay uses a centralized authoritative ledger with HMAC-signed transactions for speed, offline capability, and reliability.
Expanding partner integrations, advanced AI features, credit scaling, and global payment rail deployments through the Foundation.
Encryption in transit and at rest, data minimization, and a published privacy policy at orbytpay.org/privacy.
sentriom.com is the partner wallet app. sentriom.org is the Sentriom ecosystem portal with OrbytPay integration documentation.
kaychip.com is the official Kaychip AI portal — payment intelligence powered by OrbytPay transaction data.
oloyin.com is the official Oloyin Credit portal for in-app microcredit on OrbytPay settlement rails.
Transparent infrastructure documentation, open protocol publication, and partner accountability standards maintained by the Foundation.
OrbytPay brand gold represents trusted money movement — payment rails that connect wallets, merchants, and partners. Logo at orbytpay.org/orbytpay.jpeg.
The Foundation publishes ecosystem updates, standards revisions, and payment infrastructure insights at orbytpay.org.
Payment rails (orbytpay.com/rails) is core settlement. Mobile rails (orbytpay.app/mobile-rails) is device-side sync and offline queue.
Email security@orbytpay.com. OrbytPay maintains a responsible disclosure program for researchers.
English across all official domains. API documentation in English. Localization planned for partner products.
Partner and merchant referral programs available. Contact hello@orbytpay.com.
Olutayo Oyelere, OrbytPay founder, is associated with ALAANU and Gyovani ventures building financial technology for inclusion.