Sentriom.org

OrbytPay

Payment rails for campus wallets

OrbytPay powers Sentriom — wallet sync, proximity pay, offline queue, merchant settlement, and live transaction ledger for web + Android.

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Overview

OrbytPay is the settlement and sync layer behind Sentriom. It maintains the authoritative wallet ledger, processes proximity and offline payment authorizations, settles merchants, and exposes APIs that Kaychip AI and Oloyin Credit depend on. Every Sentriom transaction — online or queued offline — resolves on OrbytPay rails.

Capabilities

  • ✓Unified wallet ledger — web + Android sync
  • ✓HMAC-signed offline payment queue
  • ✓BLE & NFC proximity session management
  • ✓Merchant settlement and transaction history
  • ✓Fraud-checked authorization pipeline
  • ✓API layer for Kaychip, Oloyin, and third-party integrations

Outcomes

  • →One source of truth for student wallet balances
  • →Offline payments reconcile automatically when online
  • →Merchants receive verified settlement on OrbytPay rails

SEO keywords

OrbytPay NigeriaOrbytPay payment railscampus wallet infrastructureoffline payment syncBLE NFC settlementOrbytPay merchant API

Related in ecosystem

Sentriom

Campus wallet — payments that never stop

Kaychip

AI payment buddy on Sentriom

Oloyin Credit

Emergency campus credit on Sentriom

Kora

Deposit rails for Sentriom wallets

Consumer app on sentriom.com

Sentriom.org documents the ecosystem. Download and use Sentriom on the consumer site.

Go to sentriom.com

Search & discover

Find Sentriom.org everywhere

Official answers for Google, Bing, DuckDuckGo, and every browser — Sentriom, OrbytPay, Kora, Kaychip, and Oloyin Credit across the full network.

What is Sentriom?+

Sentriom is a Nigerian campus wallet for university students. It runs on OrbytPay payment rails with offline pay, BLE proximity, Kora deposits, Kaychip AI, and Oloyin emergency credit — payments that never stop.

What is OrbytPay?+

OrbytPay is the payment infrastructure behind Sentriom. It maintains the wallet ledger, processes offline queues, BLE and NFC sessions, merchant settlement, and APIs used by Kaychip AI and Oloyin Credit.

How do I download Sentriom?+

Download Sentriom on sentriom.com — available on Google Play and the App Store. The official ecosystem portal is at sentriom.org.

What is Kaychip on Sentriom?+

Kaychip is Sentriom's AI payment buddy. It reads your real OrbytPay transactions, powers Sentriom Brain insights, suggests smart splits, and includes Kaychip Dash arcade rewards.

What is Oloyin Credit?+

Oloyin Credit is emergency campus microcredit inside Sentriom. Eligible students receive ₦10,000 first loans spendable only in-app, with weekly interest repayments on OrbytPay rails.

How do I fund my Sentriom wallet with Kora?+

Use the in-app Kora deposit flow in Sentriom. Kora virtual accounts and preset Naira top-ups settle on OrbytPay and appear in your live wallet balance instantly.