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.
Native mobile & embedded SDKs
Purpose-built for agent-network hardware and low-end Android devices.
Offline-capable transactions
Transactions are cryptographically signed offline 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.
Cryptographic signing keys provisioned per agent device for offline transaction authenticity.
Conflict-safe offline transaction queue with automatic sync on reconnect.
Float reconciliation runs against the agent's KREO wallet balance.
SDK available for Android and embedded / low-power terminal targets.