Get started
Built for Nigeria's eNaira era

Accept eNaira from every customer.

KREO connects your business to Nigeria's digital currency in under five minutes. No bank branch, no paper forms, no technical knowledge required. Get paid in eNaira; receive Naira in your bank account by morning.

Get started, it's freeSee how it works

CBN-authorised middleware · NIBSS-connected · Live in Nigeria

KREO in numbers
50,000+
Merchants onboarded
600Tn+
Nigerian NIP market
T+1
Settlement SLA
4 APIs
CBN + NIBSS integrated
5 min
To your first sale
The problem

A fabric trader in Balogun Market has a customer ready to pay in eNaira. The money is in the customer's wallet. The trader can't take it.

Nigeria's Central Bank has built one of the most technically sophisticated CBDCs in the world. But the infrastructure connecting it to real commercial activity did not exist: no simple onboarding, no QR standard at the till, and no way to settle into an ordinary Naira bank account.

We are not a bank, not a wallet and not a payment processor. We are the operational middleware that makes eNaira transactions possible at a fabric market stall, a medical clinic or a roadside food vendor.

One platform

Four products. One connected platform.

Each part is useful on its own. Together they take a merchant from first scan to settled Naira, and from one country to a corridor.

01

Merchant Acceptance

For merchants, from market stall to fuel station

Self-service eNaira acceptance with NQR QR codes and nightly Naira settlement, live in Nigeria today.

  • Onboarded in five minutes with your BVN
  • Static and dynamic NQR QR codes
  • T+1 settlement to your bank account
Explore Merchant Acceptance 02

Open Banking

For merchants and licensed fintechs

A CBN-aligned consent platform that lets merchants share business data with licensed fintechs, on their terms.

  • Scoped, time-limited consent
  • Revoke access instantly
  • A logged receipt for every consent
Explore Open Banking 03

Agent Banking

For agent networks in low-connectivity areas

An offline-capable SDK that brings eNaira acceptance to places where the network is unreliable or absent.

  • Offline signing at the point of sale
  • Conflict-safe sync on reconnect
  • Settles on the same NIBSS NIP rails
Explore Agent Banking 04

Cross-Border & Scale

For businesses trading across borders

Multi-region infrastructure, ML-driven fraud detection and a settlement corridor into Ghana's eCedi.

  • Active-active multi-region infrastructure
  • ML fraud screening on every transaction
  • A direct eNaira to eCedi corridor
Explore Cross-Border & Scale
How it works

From phone number to first sale.

No bank branch. No paperwork. Works on any Android or iOS phone, or through USSD on a feature phone.

  1. Register

    Install the KREO app or dial *7000*1# on any phone. Enter your number and receive an OTP.

  2. Verify

    Confirm your identity with a single BVN consent prompt. No branch visit, no paperwork.

  3. Accept

    Your eNaira Merchant Wallet is created instantly and your NQR QR code is ready to print or show on screen.

  4. Settle

    Receive eNaira payments. Net earnings sweep to your Naira bank account every night.

Layered verification at every step. Every merchant is verified through BVN consent, and every payment passes CBN AML/CFT screening before it settles.

Who it's for

Built for everyone in the flow.

Four kinds of user, each with their own view of the same trusted platform.

Merchant Acceptance

Accept eNaira. Get paid by morning.

Open KREO on your phone, verify with your BVN and start accepting payments from any eNaira wallet or Nigerian bank app.

  • Live in five minutes, no branch visit
  • NQR-compliant QR codes
  • T+1 Naira settlement
  • A real-time dashboard on any phone
Merchant Acceptance
Trust, built in

Designed for the scrutiny money deserves.

Banks, regulators and merchants need to rely on what they see. KREO was built for that from the first line of code.

CBN-aligned

Built around CBN AML/CFT requirements and the eNaira Merchant Wallet API from day one.

Encrypted end to end

Every transaction is encrypted in transit between KREO and CBN and NIBSS infrastructure.

NDPR-compliant

Registered as a Data Controller with NITDA. We never store your BVN, only the NIBSS iGree consent token.

Consent comes first

Merchants choose what to share and with whom, and can withdraw consent at any time.

How we handle data
In their words

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.”

Fabric Market Vendor
Balogun Market, Lagos

“Setup took less time than restocking my shelves. My customers scan, I get paid, and my books balance themselves.”

Pharmacy Owner
Wuse, Abuja

“No branch visits, no paperwork. I was accepting eNaira from my first customer the same afternoon I signed up.”

Restaurant Owner
GRA, Port Harcourt
Questions

Good questions, straight answers.

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 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.

Every business should be able to take a payment in the nation's digital currency. KREO makes it a five-minute job.

Ready to accept eNaira?

No credit card required. Setup takes five minutes, from first tap to first sale.

Get startedTalk to sales