Financial infrastructure for the next billion
From sending money home via WhatsApp to incorporating your company globally — Xelio provides the tools you need.
200+
Companies
7+
Countries
$10M+
Processed
BACKED BY
Two products. One mission.
Financial infrastructure for the next billion — whether you're sending money home or building a global company.
StableChat
Send money via WhatsApp
The fastest way to send, receive, or withdraw funds across Africa. Turn every phone number into a wallet and every kiosk into a cash-out portal — even without smartphones or data.
StableCorp
Global incorporation & stablecoin banking
Incorporate globally, open digital accounts, accept stablecoin payments, and maintain compliance through a unified platform built for internet founders.
Trusted worldwide
Join hundreds of founders and millions of users who trust Xelio for their financial needs.
“All the incorporation docs are AI-generated... they actually comply with local regulations.”
Sarah Chen
Founder, Crossborder (YC W24)
“Their AI is the first whose output is nearly 100% usable.”
Marcus Johnson
CEO, TechFlow
“Client onboarding went from 2 weeks to 48 hours.”
Emily Rodriguez
Operations Lead, GlobalPay
“Setup time: 3 months to 2 days. Game changer for our operations.”
David Kim
Founder, StableOps
“Sending money to my family back home has never been this easy. No apps, no internet, just SMS.”
Amara O.
User, Lagos, Nigeria
“My grandmother can now receive money directly on her feature phone. This is revolutionary.”
Kwame A.
User, Accra, Ghana
Frequently Asked Questions
Get answers to the most common questions about Xelio.