Pay Anywhere,
Even Offline.
Experience the freedom of truly boundless transactions. KoboPoint's proprietary offline technology ensures your money moves even when the network stops.
To: Adebayo Shop
Just now
Amount Paid
₦ 5,000.00
Technology
How it works
KoboPoint leverages a hybrid infrastructure to ensure payments go through even in the remotest locations.
Secure USSD Fallback
When data networks fail, our app automatically switches to an encrypted USSD channel to complete your transaction instantly without dialing codes manually.
Near-Field BLE
Use Bluetooth Low Energy to tap and pay with nearby merchants. No internet required for either party to initiate the handshake.
Agent-Based Clearing
In deep rural areas, trusted KoboPoint agents act as local clearing houses, syncing transactions to the cloud once they regain connectivity.
Security First
Bank-Grade Offline Security
Offline doesn't mean unprotected. We use a multi-layered security approach to ensure your funds are safe even when disconnected.
Tokenized Transactions
Every offline payment generates a unique, one-time encrypted token that cannot be reused or intercepted.
Biometric Verification
Transactions require local biometric authentication (FaceID or Fingerprint) stored securely on your device.
Delayed Settlement Check
Our AI fraud detection engine analyzes patterns as soon as connectivity is restored, flagging anomalies instantly.
Limits & Safeguards
Transaction Limits
- Max single offline transaction: ₦20,000
- Daily offline cumulative limit: ₦50,000
- Limits can be increased with Tier 3 KYC verification.
Risk Controls
- Auto-lock after 3 failed PIN attempts
- 24-hour sync requirement to reset limits
- Geo-fencing for high-risk zones
Note: Offline payments are a unique feature to KoboPoint. Ensure your app version is 4.0 or higher to access these features.
Ready to go offline?
Join over 2 million Nigerians who trust KoboPoint for their daily transactions, rain or shine, online or offline.