Accept eNaira from every customer.
KREO connects your business to Nigeria's digital currency in under 5 minutes — no bank branch, no paper forms, no technical knowledge required. Get paid in eNaira; receive Naira in your bank account by morning.
No credit card required. Setup takes 5 minutes.
Everything you need to accept eNaira profitably.
5-Min Onboarding
Self-service BVN verification via NIBSS iGree. No branch visit — download the app, enter your BVN, and accept the USSD prompt.
NQR-Compliant QR
Your business gets a nationally interoperable QR code accepted by every eNaira wallet and all major Nigerian bank apps.
Daily Naira Settlement
eNaira receipts automatically swept to your Naira bank account every night at 23:00 WAT. No manual withdrawals needed.
CBN-Compliant Security
mTLS encryption, CBN AML/CFT transaction screening, and NIBSS BVN Watchlist verification on every merchant.
Real-Time Dashboard
Track every transaction, daily settlement, and monthly earnings from your phone or any browser, 24 hours a day.
Open Banking
Connect your business data to CBN-licensed fintech apps with one tap. Your data, your control.
From phone number to first sale in three steps.
No bank branch. No paperwork. Works on any Android or iOS phone.
- 01
Download & Register
Install the KREO app or dial *7000*1# on any phone. Enter your number, receive OTP.
- 02
Verify with BVN
Confirm your identity with a single USSD prompt. No branch visit, no paperwork.
- 03
Get Paid, Settled by Morning
Accept eNaira instantly. Net earnings sweep to your Naira bank account every night.
Common questions, answered.
How much does KREO cost?+
There is no setup fee. KREO charges a small Merchant Discount Rate (MDR) only on settled transactions — see our pricing page for the full breakdown by plan.
How long does onboarding take?+
Most merchants are verified and accepting eNaira within 5 minutes — BVN verification runs through NIBSS iGree, with no branch visit or paperwork.
Is my money safe with KREO?+
KREO never holds your funds. Net eNaira receipts sweep to your own Naira bank account every night via NIP settlement, and every transaction is protected with mTLS encryption.
Do I need a smartphone?+
No. KREO works on any Android or iOS phone, and also supports feature phones via USSD — just dial *7000*1# to get started.
What if I have poor or no internet connectivity?+
KREO's Agent Banking SDK signs transactions locally and syncs automatically once you're back online, so unreliable connectivity never blocks a sale.
Which banks does KREO work with?+
Any Nigerian bank account can receive settlement. KREO connects to the CBN eNaira platform and NIBSS NIP rails directly, independent of which bank you use.
Built to remove every barrier to your first sale.
- Setup time2–4 weeks
- Branch visit requiredYes
- Settlement speedT+3 to T+5
- Onboarding documents8+ forms
- Setup time5 minutes
- Branch visit requiredNo
- Settlement speedT+1
- Onboarding documentsBVN only
Regulatory-grade infrastructure, built in from day one.
CBN-Compliant
Built around CBN AML/CFT requirements and the eNaira Merchant Wallet API from day one.
mTLS Encryption
Every transaction is encrypted in transit between KREO and CBN/NIBSS infrastructure.
NDPR-Compliant
Registered as a Data Controller with NITDA. We never store your BVN — only the NIBSS iGree consent token.
Real businesses, real settlements.
“I used to close early to bank cash. Now every eNaira payment settles to my account overnight — I don't even think about it anymore.”
“Setup took less time than restocking my shelves. My customers scan, I get paid, and my books balance themselves.”
“No branch visits, no paperwork. I was accepting eNaira from my first customer the same afternoon I signed up.”
Ready to accept eNaira from every customer?
No credit card required. Setup takes 5 minutes, start to first sale.