Ivory Coast-based startup REMA/OS has launched a B2B offline payment protocol, having developed an SDK that banks integrate into their existing applications to enable secure peer-to-peer financial transactions via Bluetooth — no internet connection, no mobile data required.
Founded in December 2025 by Ibrahim Junior Konaté, Ariel Kouakou Placide, Djiablé Luc Olivier Jaurès and Jean-Luc Adjo, REMA/OS is focused is on rural populations and agricultural cooperatives across West Africa who are excluded from the financial system because they lack connectivity.
Existing solutions like PI-SPI (BCEAO), Wave, and EasyTransfert all require a user to be online, meaning they struggle to reach the over 100 million unbanked adults across the UEMOA zone, or the over 4,000 agricultural cooperatives in Ivory Coast alone.
“There is currently no offline-first payment protocol deployed at scale in West Africa. That is the gap REMA addresses,” Konaté told Disrupt Africa.
Read more: https://disruptafrica.com/2026/06/09/ivory-coasts-rema-os-launches-b2b-offline-payment-protocol/
