NQR-Compliant QR
Your business gets a nationally interoperable QR code accepted by every eNaira wallet and all major Nigerian bank apps.
One platform, powering Nigeria's eNaira economy
KREO connects your business to Nigeria's digital currency in under 5 minutes. Get paid in eNaira; receive Naira in your bank account by morning.
How KREO works...
1.2.3.
Download & Register
Install the KREO app or dial *7000*1#. Enter your number, receive OTP.
Verify with BVN
Enter your BVN. Confirm identity consent via a USSD prompt on your registered phone.
Wallet Created
Your CBN eNaira Merchant Wallet is provisioned instantly with a unique Merchant ID and begin transacting.
Everything you need to accept eNaira profitably...
23 Sept 2025
Completed
Gross
₦55,920
MDR 0.6%
₦287
Net
₦54,800
23 Aug 2025
Completed
Gross
₦55,920
MDR 0.6%
₦287
Net
₦54,800
22 Jun 2025
Completed
Gross
₦47,920
MDR 0.6%
₦287
Net
₦46,800
Daily Naira Settlement
eNaira receipts automatically swept to your Naira bank account every night at 23:00 WAT. No manual withdrawals needed.
Good morning,
Taiwo Fabrics LTD
Taiwo Fabrics LTD
Today's receipt
₦47,320
This month
₦1.2M
Transactions today
23
Settled last night
₦46,800
Real-Time Dashboard
Track every transaction, daily settlement, and monthly earnings from your phone or any browser, 24 hours a day.
Why businesses choose KREO.
Merchant Acceptance
Self-service eNaira merchant onboarding, NQR QR codes, and nightly Naira settlement.
Open Banking
A CBN-aligned consent platform letting merchants share business data with licensed fintechs, on their terms.
Agent Banking
An offline-capable agent banking SDK brinigng eNaira acceptance to areas with unreliable connectivity.
Cross-Border & Scale
Multi-region infrastructure, ML-driven fraud detection, and a cross-border corridor into Ghana's eCedi.