Payment infrastructure · Africa · Launching in Nigeria
Early access: now onboarding design partners

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.

Network: online
Payer · offline balance₦25,000
Merchant · spendable₦4,500
Ledger entries0
Turn the network off, then pay ₦2,500.
Each payment is signed on the device and recorded, online or not.
Why offline matters

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.

Sub-Saharan Africa73%

of people don't use mobile internet; 13% have no coverage at all. Online-only payments leave them out.

Nigeria rural 4G~48%

coverage, against 84% nationally, plus 19,384 fibre cuts between January and August 2025.

Cost of failed payments · CBN disputes, 2025₦40.61B

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.

What changes for you

Every offline payment becomes a signed ledger entry that settles on reconnect.

Today
  • ✕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
With OffiFlow
  • ✓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
Receiver hold

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.

Offline₦10,000heldSigned receipt issued
On reconnect₦10,000settled · spendableReconciled to the ledger
How it works

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.

App + QR · availableNFC tap · nextBluetooth (BLE) · nextSIM (STK) · nextUSSD · next

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.

Platform

Everything offline payments need, in one platform.

Ledger

Offline ledger

Offline balances and ledger rules that keep every entry consistent. Money can't be forged or spent twice.

Proof

Proof layer

Every payment carries a tamper-evident receipt, including a signed PDF, that your support team, merchants and auditors can verify.

Risk

Fraud + AML

Fraud and AML screening on every payment. Offline spend limits tuned on your own transaction history.

Identity

Device enrolment + KYC

Each customer's device is enrolled and linked to their KYC. BVN/NIN-linked tiers set what they can do offline.

Disputes

Dispute engine

A short, configurable claim window (for example, 30 minutes), resolved from tamper-evident evidence instead of a manual investigation.

Operations

Reconciliation

Automatic matching against the ledger on sync, with reports for finance and compliance.

White-label, with role-based access for your teamsRuns on your licence, regulated accounts and settlement rails.
For engineering teams

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
Request sandbox accessEarly-access sandbox for design partners. API reference shared on request.
Security & compliance

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.

Who it's for

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.

Pricing

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.

Platform licence

Annual

Tiered by institution size. Replaces an in-house ledger and compliance build.

Usage

Per transaction

Charged only on transactions that settle through OffiFlow's offline flow.

Compliance modules

Per check

AML screens, KYC checks and dispute evidence packs, as you use them.

Start here

Design partner pilot

90 days, paid, on real offline transactions. The fee is credited in full to your first-year licence.

Design partner programme

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.

What's included
  • Sandbox and production tenants
  • SDK with the QR channel
  • All core modules, including receiver hold
  • Direct support from our engineering team and weekly reports
How we measure success
  • Share of offline transactions reconciled automatically
  • Dispute resolution time
  • Integration time, targeting under two weeks
Questions
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.

About OffiFlow

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
Book a demo

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.

Channels you're interested in
Or reach us directly
kingsley.edeh.c@gmail.com
+234 803 460 9060