Merchant Acceptance
Live in Nigeria today.
KREO connects any Nigerian merchant to the eNaira in under five minutes. KREO integrates Nigeria's regulated payment rails into a single self-service onboarding and settlement flow.
Self-service onboarding
BVN verification via NIBSS iGree consent — no branch visit required.
NQR QR code issuance
Nationally interoperable static and dynamic QR codes registered with NIBSS NQR.
Nightly Naira settlement
T+1 settlement via NIBSS NIP Outward, swept nightly.
Transparent pricing
Low, transparent MDR on every transaction — no hidden fees.
KREO: Designed to make digital payment acceptance materially cheaper for merchants and consumers
Cloud-native architecture hosted in-region for Nigeria-proximate latency and data residency.
Encrypted, mutually-authenticated connection to the CBN eNaira Merchant Wallet API.
Built-in safeguards prevent duplicate settlement instructions on every NIP transfer.