OTPPAY: Omni Token Platform for Payments, AI & ML based protocol to buy, sell, exchange, lend & merchant payments. OTPPAY thrives to bridge the gap between Crypto to Fiat. Our main focus is to take crypto to the day to day life of common people. Moreover our protocol will address Transactions Per Second (TPS) & Cost Per Second (CPS) through value equalisation techniques and smart swapping procedures. OTPPAY will be using Predictive Data Analytics and Crypto Credit Rating services to structure a fair crypto ecosystem. OTPPAY will be a legal entity of ESTONIA from the INDIAN brains. OTPPAY will form the research centres around the globe in order educate and practice crypto to the common public. Thus expanding their user base, aiming to be the largest platform for the fiat to crypto shift.