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Four rails.
One ledger.

Wallets, cards, proximity taps and offline queues — Orbyt Pay normalises every way money moves and reconciles it on a single source of truth.

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Orbyt Pay payment rails diagram: cards, wallets, proximity and offline payments orbiting the Ledger Moon settlement ledger — Four rails, one ledger — the Orbyt Pay architecture.

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One API. Pick a rail.

Every rail settles to the same ledger. Tap through to see how each one moves money.

Wallet rail

Charge and pay out to Orbyt & Sentriom wallets. Balances reconcile on Ledger Moon in under a second — ideal for P2P, marketplaces and in-app payments.

Instant · SettlementP2P & in-app · Best forGlobal · Reach

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Card rail

Accept local and international cards with tokenisation, 3-D Secure and network-aware smart retries that recover soft declines without duplicate charges.

T+0 / T+1 · SettlementOnline checkout · Best for3-D Secure · Security

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Proximity rail

BLE/NFC tap-to-pay for in-person commerce — retail counters, campus IDs and transit gates — settling to the very same ledger as your online rails.

Instant · SettlementIn-person · Best forSub-second · Latency

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Offline queue rail

Take payments with zero connectivity. The Offline Queue Protocol signs on-device, queues locally and settles deterministically the moment the device reconnects.

On reconnect · SettlementLow connectivity · Best forHash-chained · Integrity

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