POS & Agency Banking as a Business Model

What agency banking actually is, what agents actually earn (documented, not marketed), and why 2026 is the year the old guides all expired.

• Why this course exists (and why the old guides expired) · 8 min
• Meet Blessing and Emeka — your two worked examples · 6 min
• Glossary: the 24 terms this course uses · 6 min

The October-2025 Guidelines decoded clause by clause: the single-principal rule, the dedicated wallet, geo-fencing, the caps, your duties — and the myths the reset spawned.

• One principal, one wallet, one location, hard caps · 11 min
• Your duties at the till (and the paper trail that protects you) · 9 min

The survey data says volume drives profit and location drives volume — so location gets a survey method, not a feeling. And under geo-fencing, you only choose once.

• Why location is 80% of the outcome (the data) · 8 min
• The seven-day location survey (do this before any money moves) · 9 min

Under exclusivity, this choice is your business model. The comparison from providers’ own documents — including the traps marketed as "free".

• The provider landscape, with receipts · 11 min
• The questions to ask before signing (and the agreement’s fine print) · 8 min

Six binary checks between the plan and the purchase.

• Checkpoint 1: the pre-launch scorecard · 6 min

Device, premises, signage, opening float, and the opening-day protocol — the whole launch as one checklist.

• The setup stack, costed from documented components · 8 min

The cycle, the rules of thumb, the rebalancing economics, and the daily log that turns float from anxiety into arithmetic.

• Running the cycle without running dry · 10 min

What to charge (and what the rules actually say about it), the transaction hygiene that prevents disputes, and turning passers-by into regulars.

• Pricing your service inside the rules · 9 min
• Transaction hygiene: the six habits that prevent disputes · 8 min
• Turning passers-by into regulars: the habit business · 8 min

Thirty days of logs become your first real P&L — and the break-even check decides what happens next.

• Checkpoint 2: the first-month reckoning · 6 min

Fake alerts, card-swap cash-outs, counterfeit bundles, robbery patterns, the ransom-mule trap and the freeze — every exhibit from documented cases, with the NIBSS numbers around them.

• The threat landscape in numbers (and Exhibit A: fake alerts) · 10 min
• Exhibits B–D: card-swaps, counterfeits, robbery · 10 min
• Exhibits E–F: the ransom-mule trap and the freeze · 9 min

Both personas’ real months, the documented benchmarks around them, the ceiling math, and the dials ranked by what actually moves profit.

• The Money Map: two real months, all costs counted · 12 min

The 2026 reform applied to an agent, the EMTL flip, the cybersecurity-levy truth, and the LGA-levy reality — with the myths retired.

• The 2026 tax position of a POS agent, plainly · 9 min

Ninety days of logs decide: steady state, second till, or relocate.

• Checkpoint 3: steady, scale, or move · 6 min

Airtime, bills, cards and BVN enrolment priced honestly — then the earned path to more tills under your one principal.

• The ancillary stack, priced from the documented figures · 8 min

The single first step, the day-by-day launch, and every waiting period in one table.

• This week: the single first step (and the calendar after it) · 8 min

The whole build as one worked timeline — explicitly illustrative, every number from this course’s sourced figures.

• Emeka’s launch, day by day · 9 min

Drills with model answers: fraud-spotting, float triage, P&L verdicts — prove it before the exam does.

• Drill 1: five till moments (model answers) · 9 min
• Drill 2: the P&L verdict (compute, then check) · 7 min