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KREO is building the middleware layer Nigeria's eNaira needs

The startup has integrated all four of Nigeria's regulated payment infrastructure APIs in one platform — a feat that takes most fintechs 18 months.

CBN eNaira adoption could hit 1M merchants by 2027 — KREO leads the race

KREO's self-service onboarding model removes the single biggest barrier to merchant adoption: the branch-visit KYC requirement that has blocked 95% of informal traders.

Nigeria's CBDC has the infrastructure. KREO says it now has the distribution.

The company's four-pillar integration — CBN eNaira, NIBSS iGree, NIP, and NQR — is the first complete implementation in Nigeria's merchant payments ecosystem.

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