Open Banking
Consent-driven data sharing, built to CBN's Open Banking Guidelines.
KREO's Open Banking Consent Platform gives merchants a single place to authorise CBN-licensed fintechs to access their transaction data — under their control, and revocable at any time.
FAPI 2.0 / OAuth 2.0 consent flows
Built to the CBN Open Banking Operational Guidelines 2023 and the FAPI 2.0 security profile.
PISP support
Licensed Payment Initiation Service Providers can initiate payments on a merchant's behalf, with explicit consent.
Granular, revocable consent
Merchants choose exactly which data and which time window each connected app can access.
Unified merchant identity
The same KREO Merchant ID used for eNaira acceptance carries over into Open Banking connections.
OAuth 2.0 authorization server implementing the FAPI 2.0 security profile.
Consent receipts logged for audit and made available to merchants and regulators on request.
Integrates with the Merchant Wallet identity established during merchant onboarding.
Designed to interoperate with CBN-licensed Account Information and Payment Initiation Service Providers.