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.

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.

Does Sentriom work offline?

Yes. Sentriom queues payments locally when campus signal drops and auto-syncs on OrbytPay when you reconnect — offline-first by design.

What is sentriom.org?

Sentriom.org is the official ecosystem portal documenting OrbytPay, Kora, Kaychip, Oloyin Credit, and the Sentriom campus wallet for organizations, partners, and search engines.

Sentriom.com | Official Campus Wallet for Nigeria

Verified in the app

Everything we ship is testable today

Download the Android beta and try each capability — backed by the same API your wallet syncs to.

Wallet & transfers

Live in app

Sign in, fund wallet, send money by phone, view live balance and history synced from the API.

Android · API

Offline in-app pay

Live in app

Queue payments on-device when offline; they sync automatically when you reconnect.

Android · API

BLE proximity pay

Live in app

Scan nearby devices, confirm amount and PIN, settle online or queue offline.

Android

NFC tap-to-pay

Beta

Tap-to-pay flow with real NFC when hardware supports it.

Android

Smart split

Live in app

Equal, weighted, or roundup splits with real balance debit and share breakdown.

Android · API

Kaychip Dash & rewards

Live in app

Play the orb game, earn micro-rewards and XP; trust score and badges on Rewards tab.

Android · API

Kaychip AI chat

Live in app

Context-aware assistant from your wallet patterns — server brain with offline fallback.

Android · API

Oloyin Credit

Live in app

Apply for ₦10k after deposit + 3 active days; repay interest and principal in-app.

Android · API

CampusCred score

Beta

Alternative credit score built from your real activity, repayments, and engagement.

API

Sentriom Brain insights

Live in app

Spending patterns and nudges from live transaction sync — shown in Profile insights.

Android · API

Deposits & utilities

Beta

Instant wallet top-up; airtime and bills via simulated Kora rails on the backend.

Android · API

Security PIN

Live in app

Set a 4-digit PIN in Profile; required to confirm proximity and transfer payments.

Android

Business merchant portal

Preview

Merchant signup and dashboard preview on web — full merchant app coming soon.

Web

Oloyin Credit · Oloyin emergency credit

Emergency credit that keeps money moving

Deposit up to ₦100,000, transact for 3 days, keep ₦11,300+ cash (loan + 13%) — then unlock ₦10,000 Oloyin Credit. No forms. Credit is in-app only; deposited cash can transfer out anytime.

The Credit Circle

Closed-loop flywheel — funds never leave the platform unnecessarily

1

Student

Unlocks Oloyin Credit

After deposit + 3 days of transactions: first loan ₦10,000. No forms — OrbytPay lends from the platform

2

OrbytPay

Adds separate credit balance

Loan is NOT mixed with deposited cash. Credit is in-app only — cannot transfer out

3

Student

Pays peer or merchant

₦2,500 to Tunde · ₦1,500 to Print Hub — instant settlement

4

Recipients

Receive real balance

Friends and vendors get cash wallet credit — OrbytPay fronts the float

5

Ecosystem

Money keeps moving

Vendor pays staff · staff saves · savings yield · all within the circle

6

Student

Repays interest

Weekly interest to OrbytPay · principal repaid on your schedule

7

OrbytPay

Revenue captured

Interest is platform revenue · principal recycles into new credit

Default emergency loan

₦10,000

Total interest

₦900

9% flat · 6 weeks

Weekly interest

₦150

Platform revenue engine

Smart repayment

Pay interest weekly (₦150/week). Principal ₦10,000 repaid on your schedule — allowance, gig earnings, or auto-deduct from top-ups.

CampusCred Score

687

Tier: Builder · ₦10k–15k credit

Repayment history230/300

Engagement127/200

Savings stability67/200

In-app circulation128/150

Offline payments

Pay without connectivity

Sentriom processes payments in-app with no network required. Transactions queue on your device and synchronize automatically via OrbytPay when online.

How it works

1

No signal?

App switches to offline mode automatically

2

Pay in-app

Send money to friends or campus vendors as usual

3

Queued locally

Payment stored securely on your device

4

Back online

One-tap sync — ledger updates on OrbytPay rails

Works Without Internet

The app keeps paying even when network drops — no codes to dial

Local Payment Queue

Transactions saved on your phone until you're back online

Auto-Sync

Queued payments push to OrbytPay the moment signal returns

Signed Vouchers

Cryptographic tokens prevent double-spend while offline

Proximity pay

Secure tap-to-pay

BLE and NFC proximity payments for merchants and vendors — encrypted and processed on OrbytPay rails.

Live BLE sessions

Merchants broadcast via API — payers discover real sessions by amount

PIN pairing

4-digit merchant PIN confirms proximity before settlement

OrbytPay sync

Web + Android APK share the same wallet and transaction ledger

Offline queue

Payments queue on-device and sync when you reconnect

Engagement

Trust scores and rewards

Incentivize responsible payments with verified trust metrics and achievement tracking.

Leaderboard

1

Chioma A.

4820 pts

2

Ada O.

2340 pts

3

Emeka T.

2180 pts

Active goals

Save ₦1k this week

650 of 1000

Repay Oloyin Credit interest

0 of 1

Squad up

2 of 3

Achievements

Fee Slayer

Earned

Buka Boss

Earned

On Fire

Earned

Fair Splitter

Earned

Campus Hustler

Locked

Reliable Legend

Earned

Radar Pro

Earned

Credit Ninja

Locked

Green Spender

Locked

Sentriom Intelligence

Engineered for precision

Credit

Oloyin Credit Circle

Closed-loop credit

After deposit and 3 days of activity, OrbytPay lends ₦10,000 first. Cash buffer 13% above loan. Spend in-app; merchants paid instantly. Interest is platform revenue.

Core

Offline In-App

No network required

Initiate payments within Sentriom without connectivity. Transactions are queued on-device and synchronized automatically when service resumes.

Online

Proximity Pay

BLE and NFC

Secure tap-to-pay for nearby merchants when online.

Kaychip

AI buddy

Schedules squad nudges from your payment patterns — synced to OrbytPay, never at 2 AM.

Brain

Sentriom Brain

Live insights

Confidence-scored nudges, round-ups, and campus trends from your wallet sync.

Finance

Smart Split

Weighted allocation

Automatically distribute costs based on order differences and participant preferences.

Engagement

Trust & Rewards

Verified metrics

Build reputation through consistent payment behavior and achievement milestones.

Intelligence

Financial Insights

Personalized guidance

Actionable spending patterns, savings opportunities, and timely reminders delivered through Sentriom Intelligence.

Platform capabilities

Built for reliability

Every card below maps to a real flow in the Android app — tagged by what you can try today.

Wallet & transfers

Live in app

Sign in, fund wallet, send money by phone, view live balance and history synced from the API.

Offline in-app pay

Live in app

Queue payments on-device when offline; they sync automatically when you reconnect.

BLE proximity pay

Live in app

Scan nearby devices, confirm amount and PIN, settle online or queue offline.

NFC tap-to-pay

Beta

Tap-to-pay flow with real NFC when hardware supports it.

Smart split

Live in app

Equal, weighted, or roundup splits with real balance debit and share breakdown.

Kaychip Dash & rewards

Live in app

Play the orb game, earn micro-rewards and XP; trust score and badges on Rewards tab.

Kaychip AI chat

Live in app

Context-aware assistant from your wallet patterns — server brain with offline fallback.

Oloyin Credit

Live in app

Apply for ₦10k after deposit + 3 active days; repay interest and principal in-app.

CampusCred score

Beta

Alternative credit score built from your real activity, repayments, and engagement.

Sentriom Brain insights

Live in app

Spending patterns and nudges from live transaction sync — shown in Profile insights.

Deposits & utilities

Beta

Instant wallet top-up; airtime and bills via simulated Kora rails on the backend.

Security PIN

Live in app

Set a 4-digit PIN in Profile; required to confirm proximity and transfer payments.

Business merchant portal

Preview

Merchant signup and dashboard preview on web — full merchant app coming soon.

For businesses

Sentriom Business

Accept proximity, NFC, and QR payments from Sentriom users. Settle daily through OrbytPay. Manage payouts, merchant PIN, and team access from a professional business dashboard.

Proximity acceptance

BLE, NFC, and QR — customers pay without leaving Sentriom.

Same-day settlement

OrbytPay rails settle to your business wallet by 6pm WAT.

Offline-ready

Queue in-app payments when signal drops; sync when back online.

Oloyin Credit volume

Receive Oloyin Credit spend — OrbytPay fronts instantly, you get paid.

Business dashboard

Transactions, payouts, team access, and merchant PIN in one place.

Low fees

1.2% on proximity; 0.8% on QR. No monthly platform fee in beta.

Full business signup →

Create business account

Free to register · KYC in under 24 hours · Beta merchants welcome

Live flow

9:41

Good morning

Ada Okafor

OrbytPay Verified

Oloyin emergency credit · not your deposit

Oloyin Credit balance

₦0

In-app only · Oloyin emergency credit

Recent activity

Live flow · tap bezel to pause · Home

Sentriom by OrbytPay

KoraDeposit railsLIVE

Try every feature on your phone

Get Sentriom on the App Store or Google Play — offline pay, BLE proximity, Kaychip, and Oloyin Credit.

Get it onGoogle Play Download on theApp Store

Get the app

Powered by OrbytPay

Payments that never stop

Get Sentriom

Everything we ship is testable today

Wallet & transfers

Offline in-app pay

BLE proximity pay

NFC tap-to-pay

Smart split

Kaychip Dash & rewards

Kaychip AI chat

Oloyin Credit

CampusCred score

Sentriom Brain insights

Deposits & utilities

Security PIN

Business merchant portal

Emergency credit that keeps money moving

The Credit Circle

Default emergency loan

CampusCred Score

Pay without connectivity

How it works

Secure tap-to-pay

Trust scores and rewards

Leaderboard

Active goals

Achievements

Engineered for precision

Oloyin Credit Circle

Offline In-App

Proximity Pay

Kaychip

Sentriom Brain

Smart Split

Trust & Rewards

Financial Insights

Built for reliability

Wallet & transfers

Offline in-app pay

BLE proximity pay

NFC tap-to-pay

Smart split

Kaychip Dash & rewards

Kaychip AI chat

Oloyin Credit

CampusCred score

Sentriom Brain insights

Deposits & utilities

Security PIN

Business merchant portal

Sentriom Business

Try every feature on your phone

OrbytPay

Kaychip AI

Oloyin Credit