Send money to any phone number
Xelio is the fastest way to send, receive, or withdraw funds across Africa.
No bank account? No problem. No internet? No problem.
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How Xelio Works
Move money across Africa with just a text message or WhatsApp — even if they don't have a smartphone or internet.
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.
Para MPC Security
Your wallet secured with 2-of-2 Multi-Party Computation—no single point of failure.
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 powered by Para's Multi-Party Computation technology — designed to work even on feature phones.
Your wallet is secured with Para's 2-of-2 Multi-Party Computation — no single point of failure.
Your private key never exists in one place — distributed across secure enclaves.
You maintain full control — sign transactions independently even if services are unavailable.
"Feels safer than using my bank app. Love that I don't need to remember anything."
— Amina, Lagos
How our security works
Pregenerated Wallet
Created via phone number
2-of-2 MPC
Distributed key shares
Secure Enclaves
Hardware-level protection
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.