Optty
“Can a single API orchestration layer become the universal abstraction for all global payment types — BNPL, wallets, open banking, crypto, and more — that PSPs, gateways, and banks plug into rather than build themselves?”
Founded in 2020 in Singapore, Optty launched as the world's first independent BNPL aggregation platform, letting merchants connect to dozens of BNPL providers via a single API. The company quickly broadened its scope from BNPL-only to a full Universal Payments Platform spanning 9 payment architectures across 140+ countries. Its current strategic pivot extends this infrastructure to banks ('Optty Banking'), positioning itself as the payments-as-a-service layer that helps banks modernise their merchant offerings without disrupting existing operations.