How Xelio Works
Move money across Africa with just a text or WhatsApp — even if they don't have a smartphone or internet.
Top up any number
Create or fund a wallet just by entering a phone number and amount.
Send a text command
Recipients get instant SMS or WhatsApp prompts to accept or withdraw.
Cash out or reuse
Use the balance in chats, or walk into any agent with the OTP to cash out.
What if they don't have Xelio?
A wallet is automatically created as soon as there's a transaction for their phone number. We send an SMS or WhatsApp message with instructions to access funds or pick up cash from an agent.
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.
XELIOSMS-first design
Works on feature phones and smartphones. No data required.
XELIOWithdraw via agents
Cash out at thousands of local stores or kiosks.
XELIOPara MPC Security
Your wallet secured with 2-of-2 Multi-Party Computation—no single point of failure.
XELIOInstant + low fees
Transactions settle in seconds for less than ₦10.
XELIOBorderless
Send money across African countries, instantly.
XELIOSee the difference
Unlike traditional banking apps, Xelio works for everyone — regardless of phone type, internet access, or banking status. Your phone number becomes your account.
- Offline-ready wallet provisioning
- WhatsApp, SMS, and USSD rails
- Agent cash-out within 3 km in cities
Everywhere
12 countries piloting this year
Join our growing network of Xelio Agents
Earn commissions, get more foot traffic, and help your community access inclusive finance by cashing 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 powered by Para's Multi-Party Computation technology — designed to work even on feature phones.
Para MPC by default
2-of-2 key shares split across hardened enclaves. There is no single server to compromise, ever.
Offline signing fallbacks
Approve withdrawals and transfers with one-time SMS codes and USSD confirmations when data is down.
You retain the keys
Recover, port, or export your wallet without waiting on support. Para’s co-sign holds only half the key.
“Feels safer than using my bank app. Love that I don't need to remember anything.”
— Amina, Lagos
How the custody rail works
Trustless by construction
Pregenerated wallet
Provisioned via phone number + PIN
2-of-2 MPC
Hardware enclaves sign together
Resilient custody
Self-serve recovery any time
Audit trails
Full transparency for regulators & partners
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.