Advance financial inclusion for Nigerian university students through offline-first wallets, transparent payment rails, and responsible campus credit.
Offline-first by design
Campus networks fail. Sentriom queues payments locally and syncs on OrbytPay when students reconnect — payments that never stop.
Transparent rails
Kora deposits and OrbytPay settlement are attributed on every screen. Students see where money enters and how it moves.
Responsible credit
Oloyin Credit stays in-app — no cash-out loopholes. Weekly repayments and CampusCred build healthier borrowing habits.
AI with real context
Kaychip reads actual wallet activity, not generic tips — nudges that respect Nigerian campus realities.