Xelio builds financial infrastructure that connects stablecoins to everyday real-world use cases across Africa and beyond. Its consumer product, stable chat, enables money transfers via WhatsApp and SMS without requiring internet access, while stable corp offers global incorporation and stablecoin banking for businesses. The platform combines instant, low-fee payments with AI-powered compliance and digital bank accounts.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional cross-border payments and financial services remain inaccessible or expensive for many users, particularly in regions with limited banking infrastructure or unreliable internet connectivity. Sending money home or managing global business finances often requires navigating slow, costly intermediaries or excluding users who lack smartphones or data plans.
Solution
Xelio provides a dual-platform financial infrastructure that bridges stablecoins with real-world needs. For consumers, stable chat enables sending, receiving, and withdrawing funds directly through WhatsApp and SMS, turning any phone number into a wallet and local kiosks into cash-out points—no internet or smartphone required. For businesses, stable corp offers global incorporation, digital bank accounts, stablecoin payment acceptance, and compliance management in a unified platform. Both products leverage Para MPC security for transaction protection and are designed to serve users across Africa and internet-based founders worldwide.
Target Audience
Primary customers are African consumers needing accessible cross-border money transfers, and internet-based founders and businesses seeking global incorporation, stablecoin banking, and compliant payment infrastructure.
Features
- Send money to any phone number via WhatsApp or SMS without requiring internet connectivity
- Withdraw funds at local agent kiosks, enabling cash-out in offline environments
- Para MPC security architecture for secure transaction signing and key management
- Global incorporation across 5 jurisdictions with digital bank account opening
- USDC and USDT payment acceptance for business transactions
- AI-powered compliance automation and invoice management tools
- Instant settlement with low transaction fees for cross-border transfers