eNaira Offline Access
for Every Nigerian
Farmer
No smartphone? No internet? No problem. Kudger makes digital payments possible for all — using simple NFC technology.
Kudger is Nigeria’s offline digital payment solution.
We connect the unbanked and underserved to the digital economy — no smartphones or constant internet required. Using NFC devices like wristbands or stickers, you can send or receive eNaira with a simple tap.
It’s fast. It’s secure. And it’s built for Nigerians — especially those in rural or low-connectivity areas.
Kudger is made for
people like you.
5 Easy Steps to Tap & Pay
Create Your Wallet
Open a Kudger-linked eNaira wallet using your phone number or NIN.
Get Your NFC Device
We’ll give you a smart sticker, wristband, or card that stores payment tokens.
Load Tokens
Top up your wallet. Tokens are loaded securely onto your NFC device.
Tap to Pay
At the point of payment, just tap your device on the merchant’s phone or POS.
Sync Later
Transactions go through instantly. Records sync automatically when internet is available.
Get started now
Built for Nigeria's unique
needs and challenges
Works Offline
Make payments even without internet connection
No Smartphone Needed
Use simple NFC cards and wristbands instead
Safe & Secure
Bank-level security with encrypted transactions
CBN Compliant
Fully approved by Central Bank of Nigeria
Community Focused
Built specifically for rural Nigerian communities
Low-Cost for Merchant
Affordable transaction fees for small businesses
Kudger uses smart but simple
tech to make all this happen.
NFC Devices
Wristbands, cards, or stickers that hold secure, single-use tokens.
Merchant App
A mobile app (Android-based) used to accept payments — even offline.
Token System
Your NFC device holds encrypted tokens that are validated during each tap. Once used, they expire automatically.
Kudger isn't just for individuals — it's
a smart solution for institutions.
Merchants
Accept payments with or without POS devices. No internet? No problem.
Banks & Fintechs
Integrate with Kudger's APIs to expand your reach into offline and underserved markets.
Government & NGOs
Use Kudger for disbursing stipends, relief funds, or pensions — securely.
Agent Networks
Help people top up tokens, create wallets, and earn income while doing it.
Kudger fully supports the Central Bank of Nigeria's (CBN) vision for the eNaira.
- ✔Tiered KYC
- ✔Transparent transaction records
- ✔Data security standards
- ✔Interoperability with the national digital payment infrastructure
FAQ
Ready to Join the Offline Digital Revolution?
Kudger is here to make sure no Nigerian is left behind in the digital economy.
