Across Nigeria, millions of people still live almost entirely on cash, with no bank account and no easy way to pay for things everyone else takes for granted, like electricity bills, school fees, or government taxes. Remita Agent set out to close that gap, turning everyday local business owners into financial access points for their communities, one street corner at a time. This case study covers how that idea became a real platform: the barriers standing in the way, the solution built to remove them, and the impact it's had since.