Built to make the eNaira work for every Nigerian merchant.

KONECTGATE was founded in 2009 and became a fintech in 2024. KREO was founded with a single conviction: 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 does not yet exist. We are building that infrastructure.

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.

We took a compliance-first position from day one. Every feature is designed around CBN AML/CFT requirements, NIBSS iGree consent rules, and NDPR data protection standards — because the only infrastructure worth building is infrastructure that lasts.