Platform – oxy

01 · Architecture

The platform is broad by design—but every layer supports the same commercial core.

OXY avoids disconnected product lines. Payments, finance and insurance are supported by shared rails, packaged into client propositions, proven through portfolio products and extended through enterprise delivery.

Platform layers

From regulated foundations to market outcomes.

Each layer has a distinct commercial purpose and a clear relationship to the layers above and below it.

01

Commercial core

Core Fintech Infrastructure

OXY Pay, OXY Finance and OXY Insurance create the primary client relationship.

Pay · Finance · Insurance

02

Operational backbone

Supporting Infrastructure Rails

Identity, compliance, payment orchestration, rewards, APIs and settlement support every commercial product.

Trust · Flow · Rewards · Core

03

Commercial packaging

B2B Solutions

Capabilities are configured around merchant, platform, SME and enterprise operating models.

Merchant · Platform · SME · Enterprise

04

Portfolio proof

Consumer Products

KanzPay and sector applications demonstrate OXY infrastructure through direct user experiences.

KanzPay · Mall · Parking · Events

05

Enterprise delivery

Technology Delivery

Custom build, systems integration, deployment and advisory extend the platform into complex environments.

Build · Integrate · Deploy · Advisory

Commercial engines

Three entry points into the same ecosystem.

Clients can begin where the immediate need exists and add capabilities without rebuilding the relationship.

01

Payments

OXY Pay

Acceptance, onboarding, settlement, dashboards and payment-rail connectivity for merchants and platforms.

Payment linksMerchant onboardingSettlementPlatform flows

PAY

02

Embedded finance

OXY Finance

Working capital, invoice finance, merchant accounts, wallets and financial-product APIs connected to activity.

Working capitalInvoice financeAccountsAPIs

03

Embedded protection

OXY Insurance

Product protection, purchase cover, transaction-linked insurance and SME liability solutions through licensed carriers.

Checkout coverPurchase protectionSME liabilityPartner carriers

Supporting rails

The shared infrastructure beneath every OXY proposition.

Common rails improve consistency, reduce duplicated integration and support expansion across products.

T

OXY Trust

KYC, KYB, AML orchestration, digital identity and risk workflows.

Identity + compliance

F

OXY Flow

Payment routing, settlement, local rails and transaction orchestration.

Movement + settlement

R

OXY Rewards

Gold, points, cashback, loyalty and stored-value reward capabilities.

Value + engagement

C

OXY Core

APIs, webhooks, ledger logic, reconciliation and shared service controls.

Platform foundation

Modular engagement

Start with one requirement. Expand through the same architecture.

OXY maps the commercial requirement, configures the right platform modules, connects existing systems and adds capabilities over time.

01DefineCommercial objective and operating context

02ConfigureProducts, rails and compliance workflows

03ConnectSystems, partners and delivery environment

04ExpandAdditional products and commercial use cases

Five connected layers. One corporate architecture.