OpenWaveOpen Payment & Open Banking Standard

Bank-agnostic. Interoperable. Built for emerging markets. One standard — any bank, any gateway, any fintech.

For Merchants

Integrate once. Accept payments from any participating bank via IBAN or NPT alias. No per-bank integrations, no separate agreements — one API key to rule them all.

Merchant Integration Guide

For Banks

Join the OpenWave network. Expose a standardised callback interface and your customers can instantly pay any merchant in the ecosystem — from any bank.

Bank Integration Guide

For TPPs & Fintechs

Read account data and initiate payments on behalf of customers under explicit OAuth 2.0 + PKCE consent. PSD2-inspired, built for emerging market realities.

Open Banking (TPP) Guide

NPT — National Payment Tag

`mtellesy@andalus` — one username, any bank. Pay by alias without knowing an IBAN. The universal payment identity layer for Libya and beyond.

Learn about NPT

Gateway-Agnostic & Federated

Any operator can run a compliant gateway. Multiple gateways interoperate automatically because the standard is the contract — not the operator.

Run a Gateway

Ready to Use

Three OpenAPI 3.0 spec files, Postman collections, and code generation templates. Import to Swagger, Postman, or Redocly in seconds.

Download Specs & Collections

3OpenAPI Spec Files

60+API Endpoints

4Integration Roles

Apache 2.0Open License

What is OpenWave?

OpenWave is an open API standard for payments and open banking. It defines a unified contract so any bank, merchant, fintech, or gateway operator can plug into a single interoperable payment network — without bilateral agreements between every participant.

Libya's problem: Customers are locked to their bank's app. Merchants integrate with each bank separately. There is no shared payment identity layer. Money can't move freely.

OpenWave's solution: One standard that every participant implements. A bank integrates once and every merchant on any compliant gateway can accept payments from its customers.

Payments Module

openwave-payments-v1.yaml

Payment sessions (IBAN + NPT alias)
OTP & push notification auth
Recurring mandates
Same-bank & LyPay cross-bank routing
Settlement status & webhook events

Open Banking Module

openwave-open-banking-v1.0.yaml

OAuth 2.0 + PKCE consent flow
AISP: accounts, balances, transactions
PISP: payment initiation by TPPs
SCA (Strong Customer Authentication)
Bank capability advertisement

Identity Registry

openwave-identity-v1.0.yaml

NPT handle ownership & governance
Multi-bank account linking
Public alias resolution
Bank phonebook & directory
Cross-gateway handle federation

Payment Flow at a Glance

Merchant           OpenWave Gateway        Debtor Bank (CBS)     CBL LyPay     Merchant Bank
   │                      │                       │                  │               │
   │── POST /payments ────►│                       │                  │               │
   │   /initiate          │                       │                  │               │
   │◄── { payment_url } ──│                       │                  │               │
   │                       │                       │                  │               │
   │  [Customer opens checkout URL]                │                  │               │
   │                       │── resolve alias ─────►│                  │               │
   │                       │── send OTP ──────────►│                  │               │
   │                       │◄── OTP verified ──────│                  │               │
   │                       │                       │                  │               │
   │          ┌────────────────────────────────────────────────────────────────────┐  │
   │          │  SAME_BANK: internal CBS book transfer (instant)                   │  │
   │          │  LYPAY:  debit at debtor CBS → LyPay instruction → credit at      │  │
   │          │          merchant bank (2–10 seconds)                              │  │
   │          └────────────────────────────────────────────────────────────────────┘  │
   │                       │◄── credit confirmed ──────────────────────────────────── │
   │◄── payment.completed ─│                       │                  │               │
   │    webhook            │                       │                  │               │