“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.
Optty processes payments through Optty Universal Payments Platform (self-operated) and Payoneer.
Optty uses Payoneer for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 3 layers in Optty's stack: Payments / PSP (Optty Universal Payments Platform (self-operated) and Payoneer); Lending (BNPL (40+ providers including Afterpay, Affirm, Klarna, Zip, Grab, Scalapay), Checkout financing (Flooss, Sharia-compliant, GCC) and Global BNPL distribution via Payoneer partnership); FX & payouts (Payoneer).
Optty is founded in 2020 and headquartered in Singapore.
Optty has raised $9M in total (latest round: Seed (private), 2022).
Get a read on where your own stack stands against Optty and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.