KONECTGATE
Agent Banking
How Agent Banking Works

Offline-capable eNaira acceptance, in five steps.

Built for agent networks in areas with unreliable or no connectivity — from float to settlement.

  1. 01

    Agent installs the SDK

    KREO's Agent Banking SDK — built for Android or embedded / low-power terminals — is installed on the agent's device.

  2. 02

    Agent loads a float

    Before heading into the field, the agent tops up a float balance from their KREO wallet to cover the day's transactions.

  3. 03

    Accept payments offline

    Each customer transaction is signed locally with an offline cryptographic key — no internet connection required at the point of sale.

  4. 04

    Sync when back online

    Once the agent's device reconnects, every queued transaction syncs automatically through a conflict-safe offline transaction queue.

  5. 05

    Settle & reconcile

    Synced transactions settle through the same NIBSS NIP rails as every other KREO payment, and the agent's float reconciles against their wallet balance.

Talk to us about Agent Banking →
Offline cryptographic signingAndroid & embedded SDKsConflict-safe syncSettles via NIBSS NIP