Oiyaa Local Limited

Oiyaa is an AI-powered Value-Adds-as-a-Service platform transforming how payments create loyalty, engagement, and measurable growth. We embed intelligence, rewards, insights, and personalised experiences directly into the payment flow — across payment terminals, softPOS, ePOS, and online checkout — turning every transaction into a real-time engagement moment. Unlike traditional loyalty and marketing systems that operate outside the transaction, Oiyaa connects issuers, acquirers, merchants, and consumers through a single orchestration layer. This creates a unified ecosystem where value is generated and shared instantly at the moment of payment. Our proprietary AI engine, Oiyai, delivers real-time personalisation, dynamic offers, coalition loyalty, and advanced analytics while maintaining full data privacy and regulatory compliance. Partners gain a Single Customer View across multiple merchants, unlocking deeper insights, higher retention, and increased transaction value. Oiyaa is fully hardware- and software-agnostic and already integrated with leading payment terminals, softPOS providers, ePOS systems, and payment applications, enabling rapid global deployment with minimal friction. We don’t process payments. We orchestrate value around them. By converting payments into intelligent engagement channels, Oiyaa enables banks, acquirers, and merchants to monetise every transaction, increase customer lifetime value, and build lasting relationships with consumers — without adding operational complexity. Our vision is to make every payment, everywhere, more valuable by building the global infrastructure layer for AI-driven commerce. The future of payments is not just about moving money. It’s about creating value at the moment it moves.