72h
Callback protection window
Always on
Controls around every payment
Fraud checks, PIN lockouts, and payment verification run before money moves. Protection is default — not optional.
Control framework
Pillars of financial integrity
Accurate balances
Every naira in your wallet is tracked and balanced. What you see is what you can spend.
Real-time fraud checks
Each transaction is scored for unusual patterns before it settles.
Transaction PIN
A separate PIN authorises every payment, with lockout after repeated failures.
Safe retries
If a payment is interrupted, money is never taken twice or credited twice.
Verified payments
Incoming deposits are confirmed before your balance updates.
Full history
Callbacks, recoveries, and disputes are recorded so you always know what happened.
Message check
Paste an SMS or chat before you act. Reton matches it to your case and amount, and rejects links and PIN requests. A trust agent may explain the result. It cannot change it.
Regulatory posture
Built for Nigeria's payments standards
Controls designed around CBN supervision expectations for digital wallets, KYC, and consumer protection.
Identity & limits
Verify your identity to unlock higher limits, in line with Central Bank of Nigeria guidance.
Payment controls
PIN on every payment, spending limits, and fraud checks before money moves.
Records & reporting
A complete history of every payment, with balances that reconcile to the kobo.
Dispute & recovery
Callback protection and wrong-transfer help when something does not look right.
Reton is your digital wallet. Your balance is held and managed by Reton — we are not a bank.
Balances reconcile to the kobo. Card numbers never touch Reton servers. Open a wallet or contact us for enterprise security reviews.
Trust you can inspect.
Open a wallet and see protection, PIN, and payment history on every move.
