1. General

ODELPay HUB facilitates tuition, wallet, merchant LiveStore, payment-link, utility, and Dex-related flows as payments software. You are responsible for verifying amounts, institution or merchant details, and receipt accuracy (including billed vs paid) before and after payment. Copilot answers are informational and may not reflect a live ledger balance or a confirmed payment. Local rails, FX, and regulatory requirements vary by jurisdiction — availability of a rail does not mean it is suitable for every use case.

ODELPay HUB is not a bank, does not accept deposits, does not pay interest, and is not itself licensed by the Bank of Uganda as a payment service provider. Mobile-money, card and bank payments are collected and paid out by payment service providers licensed under Uganda's National Payment Systems Act, 2020. The operator does not give investment, legal or tax advice and does not guarantee the outcome of any third-party provider, network or market.

You can lose money. Do not use Dex or digital-asset features with funds you cannot afford to lose.

2. Mobile money & bank rails

Payments are usually confirmed within minutes, but MoMo prompts depend on your handset, SIM, network and provider availability, and may be delayed. Failed or reversed collections are governed by the provider's rules. Never share PINs or OTPs or approve unknown prompts.

3. TON & on-chain settlement

On-chain transfers are irreversible once confirmed. Wallet software, network congestion, forks, and incorrect memos or amounts may cause delays or total loss. Always confirm destination wallet and quoted TON amount on the pay screen.

4. OPGB, Dex & digital assets

TON, stablecoins and other digital assets are not legal tender in Uganda. The Bank of Uganda has advised the public that people deal in virtual assets at their own risk. Their value can fall as well as rise, including to zero. The platform makes no promise of profit, returns, interest or yield on any digital asset, OPGB balance, Stars reward or Dex/P2P activity.

OPGB is a platform settlement ledger (Phase 1 peg: 1 OPGB = 1 UGX for internal accounting). Stars tips/rewards/redeem use the same OPGB-UGX ledger — they are not a separate insured cash wallet and are not an investment. On/Off and Dex buy, sell, convert, AMM, and P2P features involve market, liquidity, custody, counterparty, and operational risks. Quotes are previews — slippage, fees, and FX may change before execution.

Stablecoins may depeg. Custodial balances (including USDT/USDC holdings) may be subject to maintenance windows, withdrawal queues, smart-contract or oracle failures on connected protocols, and regulatory constraints, including future virtual-asset laws in Uganda. In-app balances are not insured deposits.

P2P and AMM surfaces may involve counterparties you do not know. Platform fees (e.g. poster fees) are shown in-product before you confirm. Digital-asset features are for adults (18 or older) only.

5. OpenPayGB card

The OpenPayGB card is a closed-loop prepaid platform balance for paying within the ODELPay ecosystem. It is not a bank account or bank card, is not an insured deposit and earns no interest. A one-time activation fee and a monthly fee apply only in months the card is used (idle months are not billed). Fees differ by holder category — students, parents and staff are priced by level (primary, secondary, university/Higher), with separate categories for guests, Teacher and Lecturer workspace admins, institution admins, platform admins and developers. The applicable fee is shown on the card screen before you pay.

Without a current activation period you cannot fund or spend. Expiry requires a new activation payment before use. Fee increases are announced at least 30 days in advance.

6. Merchant storefronts & utilities

Buying from a LiveStore shop or payment link settles to the merchant’s OpenPayGB rails subject to provider confirmation. Digital fulfilment URLs and donation amounts are set by the merchant; disputes should be raised with the merchant first, then platform support with your receipt.

Bills and airtime purchases depend on third-party utility and telco availability. Incorrect meter, decoder, or phone numbers can cause failed or non-refundable top-ups under provider rules.

7. Telegram & Mini App

Bot and Mini App delivery depend on Telegram availability and correct linking of your Telegram identity to a student or admin account. Notifications may be delayed or dropped; always verify status in the web app.

8. Third-party apps

Developer-registered apps using Partner API or OAuth operate under their own branding. Review each integrator's terms before authorizing access to student or payment data.

1. General

ODELPay HUB facilitates tuition, wallet, merchant LiveStore, payment-link, utility, and Dex-related flows as payments software. You are responsible for verifying amounts, institution or merchant details, and receipt accuracy (including billed vs paid) before and after payment. Copilot answers are informational and may not reflect a live ledger balance or a confirmed payment. Local rails, FX, and regulatory requirements vary by jurisdiction — availability of a rail does not mean it is suitable for every use case.

ODELPay HUB is not a bank, does not accept deposits, does not pay interest, and is not itself licensed by the Bank of Uganda as a payment service provider. Mobile-money, card and bank payments are collected and paid out by payment service providers licensed under Uganda's National Payment Systems Act, 2020. The operator does not give investment, legal or tax advice and does not guarantee the outcome of any third-party provider, network or market.

You can lose money. Do not use Dex or digital-asset features with funds you cannot afford to lose.

2. Mobile money & bank rails

Payments are usually confirmed within minutes, but MoMo prompts depend on your handset, SIM, network and provider availability, and may be delayed. Failed or reversed collections are governed by the provider's rules. Never share PINs or OTPs or approve unknown prompts.

3. TON & on-chain settlement

On-chain transfers are irreversible once confirmed. Wallet software, network congestion, forks, and incorrect memos or amounts may cause delays or total loss. Always confirm destination wallet and quoted TON amount on the pay screen.

4. OPGB, Dex & digital assets

TON, stablecoins and other digital assets are not legal tender in Uganda. The Bank of Uganda has advised the public that people deal in virtual assets at their own risk. Their value can fall as well as rise, including to zero. The platform makes no promise of profit, returns, interest or yield on any digital asset, OPGB balance, Stars reward or Dex/P2P activity.

OPGB is a platform settlement ledger (Phase 1 peg: 1 OPGB = 1 UGX for internal accounting). Stars tips/rewards/redeem use the same OPGB-UGX ledger — they are not a separate insured cash wallet and are not an investment. On/Off and Dex buy, sell, convert, AMM, and P2P features involve market, liquidity, custody, counterparty, and operational risks. Quotes are previews — slippage, fees, and FX may change before execution.

Stablecoins may depeg. Custodial balances (including USDT/USDC holdings) may be subject to maintenance windows, withdrawal queues, smart-contract or oracle failures on connected protocols, and regulatory constraints, including future virtual-asset laws in Uganda. In-app balances are not insured deposits.

P2P and AMM surfaces may involve counterparties you do not know. Platform fees (e.g. poster fees) are shown in-product before you confirm. Digital-asset features are for adults (18 or older) only.

5. OpenPayGB card

The OpenPayGB card is a closed-loop prepaid platform balance for paying within the ODELPay ecosystem. It is not a bank account or bank card, is not an insured deposit and earns no interest. A one-time activation fee and a monthly fee apply only in months the card is used (idle months are not billed). Fees differ by holder category — students, parents and staff are priced by level (primary, secondary, university/Higher), with separate categories for guests, Teacher and Lecturer workspace admins, institution admins, platform admins and developers. The applicable fee is shown on the card screen before you pay.

Without a current activation period you cannot fund or spend. Expiry requires a new activation payment before use. Fee increases are announced at least 30 days in advance.

6. Merchant storefronts & utilities

Buying from a LiveStore shop or payment link settles to the merchant’s OpenPayGB rails subject to provider confirmation. Digital fulfilment URLs and donation amounts are set by the merchant; disputes should be raised with the merchant first, then platform support with your receipt.

Bills and airtime purchases depend on third-party utility and telco availability. Incorrect meter, decoder, or phone numbers can cause failed or non-refundable top-ups under provider rules.

7. Telegram & Mini App

Bot and Mini App delivery depend on Telegram availability and correct linking of your Telegram identity to a student or admin account. Notifications may be delayed or dropped; always verify status in the web app.

8. Third-party apps

Developer-registered apps using Partner API or OAuth operate under their own branding. Review each integrator's terms before authorizing access to student or payment data.