Send money to any phone number with
sms
Xelio is the fastest way to send, receive, or withdraw funds across Africa. No bank account? No problem. No internet? No problem.
TRUSTED BY:
How Xelio Works
Send money to anyone in Nigeria with just a text message — even if they don't have a smartphone or internet.
Send a Text
Text "Send 500 to +23480xxxxxxx" to our number
Confirm with PIN
We ask for your PIN — no passwords or seed phrases needed
Instant Delivery
Funds are instantly delivered to their wallet
What if they don't have Xelio?
A wallet is automatically created for them as soon as there's a transaction for their phone number. They'll receive an SMS with instructions to access their funds.
Why Xelio is built for Africa
Designed from the ground up to solve real challenges faced by Africans every day.
Send to phone numbers
No bank needed — just the recipient's mobile number.
SMS-first design
Works on feature phones and smartphones. No data required.
Withdraw via agents
Cash out at thousands of local stores or kiosks.
zk-auth security
No passwords. SIM-linked encryption built with zk-proof technology.
Instant + low fees
Transactions settle in seconds for less than ₦10.
Borderless
Send money across African countries, instantly.
See the difference
Unlike traditional banking apps, Xelio works for everyone — regardless of phone type, internet access, or banking status.
Join our growing network of Xelio Agents
Earn commissions, get more foot traffic, help your community access simple finance, and help NGOs cash out donations sent via phone number.
Easy Sign Up
Simple registration with just your phone number and shop details.
Earn Commissions
Earn up to ₦500 for every transaction you process.
100% Secure
All transactions are encrypted and verified in real-time.
Free Training
We provide all the training and materials you need to succeed.
You're always in control
We built Xelio with uncompromising security that works even on feature phones.
No passwords or PIN storage — your SIM verifies you.
No one (not even us) can touch your funds.
We never ask for your BVN or card details.
"Feels safer than using my bank app. Love that I don't need to remember anything."
— Amina, Lagos
How our security works
User Phone
Xelio (zk-SIM Auth)
Solana Transaction
Xelio vs. Competitors
See how Xelio compares to other mobile money services in Africa.
| Feature | Xelio | M-Pesa | Paga |
|---|---|---|---|
| Send via SMS | |||
| Works without internet | |||
| Fee per $10 | ₦5 | ₦100+ | ₦80 |
| App required? | |||
| Receive donations from abroad via SMS | |||
| Decentralized backend |
Frequently Asked Questions
Get answers to the most common questions about Xelio.
Need help?
Our support team is available 24/7 to assist you with any questions or issues.
Contact us
Visit an Agent
Need in-person help? Visit any of our agent locations across Nigeria.
Find Nearest Agent