Agent Banking
eNaira acceptance that works without the internet.
KREO's Agent Banking SDK extends eNaira acceptance into areas with unreliable or no connectivity — critical for reaching Nigeria's rural and semi-urban merchants.
Capabilities
Native Kotlin and C SDKs
Purpose-built for agent-network hardware and low-end Android devices.
Offline-capable transactions
Transactions are signed with offline Ed25519 tokens and synced once connectivity returns.
Float management
Agents carry and reconcile a float balance, with automated top-up and settlement workflows.
Same settlement rails
Every offline transaction settles through the same NIBSS NIP infrastructure once synced.