Payments that keep working when the network doesn't.
The source of truth for every offline payment.
OffiFlow turns each offline payment into signed proof of what happened, then settles it when the network returns. Ledger, fraud and AML, disputes and reconciliation through one API. Your brand. Your licence.
Reach the customers your competitors can't: rural, low-signal and first-time users.
Your next million customers live where the signal doesn't reach.
Most people in the region still pay without reliable mobile internet: rural households, market traders, first-time account holders. Payments that need a connection either can't serve them or fail when they try. That gap is your growth, and it's why financial inclusion is a CBN priority.
of people don't use mobile internet; 13% have no coverage at all. Online-only payments leave them out.
coverage, against 84% nationally, plus 19,384 fibre cuts between January and August 2025.
More than double 2024. Complaints rose 11% to 23,129, with ₦19.12B in refunds ordered.
Sources: CBN 2025 Annual Report (via Vanguard); GSMA Mobile Internet Connectivity 2024; NCC via BusinessDay.
Every offline payment becomes a signed ledger entry that settles on reconnect.
- ✕Payment fails, or is queued with no proof
- ✕Offline balances can be faked or spent twice
- ✕A dispute means a manual investigation
- ✕Reconciliation exceptions every day
- ✕Your team builds and maintains its own ledger, fraud, KYC and AML
- ✓Payments complete offline with a signed, verifiable record
- ✓Offline balances can't be forged or spent twice. Only your system can add money
- ✓Disputes resolved from tamper-evident evidence inside a short claim window
- ✓Automatic reconciliation against the ledger on every sync
- ✓One platform, one API, under your brand and licence
Money received offline can't be spent until it's real.
Merchants and agents get a signed, verifiable receipt the moment they're paid. The money is held in full until it settles, so it can never be re-spent before your ledger confirms it.
One integration. QR today, more channels on the way.
Add our SDK and APIs to the app or channel you already run. Your customers pay offline; your existing settlement rails do the rest.
Integrate
Add the OffiFlow SDK and APIs to your existing app or channel.
Transact offline
The customer approves the payment on their device, within the offline balance and limits you set.
Sync and reconcile
On reconnect: ledger check, fraud and AML screening, then settlement on your rails.
Prove
Signed, versioned receipts and tamper-evident records for disputes and audits.
Everything offline payments need, in one platform.
Offline ledger
Offline balances and ledger rules that keep every entry consistent. Money can't be forged or spent twice.
Proof layer
Every payment carries a tamper-evident receipt, including a signed PDF, that your support team, merchants and auditors can verify.
Fraud + AML
Fraud and AML screening on every payment. Offline spend limits tuned on your own transaction history.
Device enrolment + KYC
Each customer's device is enrolled and linked to their KYC. BVN/NIN-linked tiers set what they can do offline.
Dispute engine
A short, configurable claim window (for example, 30 minutes), resolved from tamper-evident evidence instead of a manual investigation.
Reconciliation
Automatic matching against the ledger on sync, with reports for finance and compliance.
Designed to integrate in under two weeks.
Drop-in SDKs for your mobile app, REST APIs for your back office, and a sandbox where two test devices can pay each other in airplane mode.
- SDKs for Flutter, Android and iOS, plus a reference app
- Webhooks when a payment is held, settled or disputed
- Sandbox with simulated outages and test devices
- Settlement through the rails you already use
Built for the regulator's questions before you're asked them.
Keys in secure hardware
Signing keys are held in secure hardware on the device, protected even on a compromised phone. A customer's offline balance can only be raised by your system.
We never hold funds
Money moves through your licence, your regulated accounts and your settlement rails. OffiFlow is the ledger and compliance layer.
The PIN signs what's on screen
A customer's PIN approves only the amount and recipient they can see. A tampered app or payment request can't change either after they confirm.
Aligned with the CBN
Fraud and AML screening follows CBN baseline standards, KYC tiers link to BVN and NIN, and access is role-based.
Your data stays yours
OffiFlow acts as a data processor under the NDPA 2023, with an in-country hosting option for partners who need data kept in Nigeria.
Tested, then audited
A private bug bounty found no major risks. An independent security audit is scheduled before production pilots, and the report is available to partners.
Full architecture and cryptographic design are available under NDA during technical review.
For institutions growing beyond the signal.
Each of these can now serve customers that online-only payments leave out.
Fintechs and MMOs
Rural agents and merchants
Keep agent and merchant networks taking payments in low-signal areas, with proof for every transaction under the CBN's single-principal rule.
Banks and PSBs
First-time account holders
Serve newly onboarded customers in rural and peri-urban areas at entry-level KYC tiers, without branches or reliable data.
Telcos
Feature-phone users
Bring payments to subscribers with no smartphone or data plan as SIM (STK) and USSD channels launch.
MFBs and PSPs
Traders, farmers and cooperatives
Give market traders, farmer groups and cooperative members digital payments that work on market day, whatever the network does.
You pay as your offline volume grows.
Pricing is in USD and set by the size of your institution. We'll quote it after a short call.
Annual
Tiered by institution size. Replaces an in-house ledger and compliance build.
Per transaction
Charged only on transactions that settle through OffiFlow's offline flow.
Per check
AML screens, KYC checks and dispute evidence packs, as you use them.
Design partner pilot
90 days, paid, on real offline transactions. The fee is credited in full to your first-year licence.
Shape the product, then prove it on your own transactions.
We're working with a small group of early partners in Nigeria. You get direct access to our engineers, input on the roadmap, and early-partner pricing.
- Sandbox and production tenants
- SDK with the QR channel
- All core modules, including receiver hold
- Direct support from our engineering team and weekly reports
- Share of offline transactions reconciled automatically
- Dispute resolution time
- Integration time, targeting under two weeks
- Step 1Sign a one-page, non-binding letter of intent covering pilot scope, fee and success metrics.
- Step 2Book a technical deep-dive with your CTO, head of payments and compliance lead.
Is OffiFlow live today?
We're in early access. The core platform is in testing with design partners, and we're onboarding partners for the first production pilots. We'll tell you exactly what's ready during your demo.
Do we need a new licence?
No. OffiFlow runs under your existing licence and settles through your rails. We never hold customer funds.
What stops someone spending money they don't have?
Offline balances can't be forged or raised on the device; only your system can add money. Money received offline is held in full until it settles, so it can never be re-spent before it is real.
How much can a customer spend offline?
You decide. You set offline limits for each customer tier, tuned on your own transaction history. A customer can never spend more than the offline balance your system has issued.
What if a phone is lost or a SIM is swapped?
A lost or replaced device can't keep signing payments. The new device has to be enrolled again through your KYC checks, and exposure is always capped by the offline limit you set.
Where is our data hosted?
OffiFlow is a data processor under the NDPA 2023. Partners who need data kept in Nigeria can choose our in-country hosting option.
Can we keep our own ledger?
Yes. Larger institutions can use only the dispute evidence and reconciliation modules alongside their existing ledger.
Will our customers see the OffiFlow name?
No. The platform is white-label. Your app, your brand.
Which channels can we start with?
Most partners start with app and QR, then add NFC, Bluetooth, SIM and USSD as their customers need them.
Built by an engineer who has spent 16 years building Africa's tech teams.
OffiFlow is founded by Kingsley Edeh Chigozie, a two-time CTO who designed its ledger, offline sync and security architecture. He has worked across security, telco mobile payments and engineering training, and many of the fintech engineers we work with today trained or built alongside him.
- NowFounder, CEO/CTO, OffiFlow
- 2017–nowFounder & CTO, ioHUBS: engineering teams for clients
- 2018–19Director of Learning & Development, Decagon
- 2017–18CTO, Workforce Group
- 2016–17Sr Software Developer, TIMWE: mobile solutions for telcos
- 2016Software Engineer, Information Secure Ltd
- 2015–16Software Developer, Andela
See two phones pay each other in airplane mode, then reconcile in seconds.
Tell us a little about your institution and we'll set up a 30-minute demo with your engineering team.
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