Money moves.
Life follows.
Kyros combines instant transfers, real-time payment health routing, and a zero-internet on-device signed QR protocol. Experience uninterrupted money movement across Africa.
Pay
Payment health
Best right now: Kyros Transfer — 98% chance of success.
Instant transfer. Needs internet on your phone.
Phone-to-phone with a signed QR. No internet needed on either device.
No more transaction anxiety.
Real-time routing intelligence.
Traditional transfers fail because bank networks get congested without warning. Kyros dynamically monitors payment channels and routes your money through the most reliable rails.
Kyros Transfer
98% SuccessPeer-to-peer ledger transfers between Kyros users execute instantly without depending on traditional intermediary bank settlement delays.
Bank Transfer (NIP)
92% HealthyDirect integration with Nigeria Inter-Bank Settlement System with continuous health diagnostics, warning you before you send to slow destination banks.
Offline Fallback
100% ContinuityWhen cellular signals drop or bank networks stall entirely, switch seamlessly to on-device offline payment authorization.
Zero internet on both phones?
Payment authorized. Guaranteed.
Whether you are deep in an underground transit hub, in a remote market, or during a nationwide telecom outage, Kyros enables phone-to-phone cryptographic payment handshakes that settle automatically.
Recipient Requests
Merchant or friend taps "Request payment" and presents their unpriced or priced QR code. No internet connection required.
Payer Authorizes & Signs
Payer scans the request, enters the exact amount, and authenticates with their biometric PIN. The device hardware signs the payload.
Signed Authorization QR
An encrypted, tamper-proof authorization QR is rendered on the payer’s screen containing the non-repudiable transaction token.
Accept & Auto-Settle
Recipient scans the auth QR and confirms acceptance. The transaction settles seamlessly the instant either phone reconnects.
Payments you authorize offline are cryptographically signed on your device hardware and settle securely from your wallet the moment you reconnect.
Everything your money needs.
In one unified interface.
Beyond offline resilience, Kyros is built as a complete everyday financial OS for payments, bills, lifestyle booking, and commerce.
Bills & Airtime
Instant recharge, electricity tokens, cable TV, and internet subscriptions with automated zero-fee recurring schedules.
LIVE NOWVirtual Account Numbers
Dedicated NUBAN account numbers to receive funds instantly from any commercial bank, fintech, or corporate account in Nigeria.
LIVE NOWFlight Booking
Search, compare, and book domestic and international flights directly from your Kyros wallet balance without card declines.
COMING SOONGift Cards & Vouchers
Buy, redeem, and trade digital gift cards for global platforms like Apple, Amazon, Steam, and Spotify at competitive exchange rates.
COMING SOONSupport & Disputes
In-app real-time dispute resolution system with cryptographic proof logs for offline receipts and interbank trace numbers.
24/7 DEDICATEDMerchant QR Payments
Equip retail shops, drivers, and vendors with fast zero-contact QR scanning that operates flawlessly during network downtime.
LIVE NOWMilitary-grade safety.
Built on device trust.
Kyros protects your offline and online balances using hardware security modules, biometric keys, and anti-double-spending nonces that guarantee mathematical integrity without centralized server bottlenecks.
Experience money that moves
wherever life takes you.
Download the Kyros app on iOS and Android. Never let network drops stop your transactions again.