The Future of
Banking Speaks
Your Language
Literally.
Xara is Africa's first AI-native financial assistant.
No apps. No commands. No training.
Just conversation—in any language, on the platform you already use.
Real conversation • No scripts • Powered by AI
This Isn't a Chatbot
Chatbots follow scripts. Xara understands intent.
There's a difference.
Traditional Fintech Bot
Xara with GPT-First Architecture
Built for How Africa
Actually Moves Money
We didn't limit ourselves to 4 countries.
We're building for all of Africa.
The Reality:
Pan-African Payment Orchestra
One X-Pay wallet. Every African mobile money provider. One conversation.
MTN Mobile Money
Orange Money
M-Pesa
Airtel Money
Stripe
The Vision: Integrate every major African payment provider.
Traditional fintech: 18 months per country. Xara: Add provider → Launch immediately.
True Multilingual AI
Not just translation
- Understands pidgin: "Send 5k to my guy"
- Code-switching: "Deposit 10,000 from my MTN"
- Regional slang: "Top up my account, abeg"
- Context-aware: Knows '20k' might mean different currencies
Pan-African Orchestration
One wallet, every provider
- Automatic provider detection by country
- Currency conversion on the fly
- Unified balance across providers
- Single conversation for all operations
Voice-First Inclusion
Banking for everyone
- 33% of Sub-Saharan Africans are illiterate
- Whisper transcription: 1,000+ languages
- Send voice note → Xara responds
- Accessibility without compromise
Viral Growth Engine
Every transaction = potential user
- Send money to anyone with a phone
- Non-users get SMS with signup link
- Money transfers instantly on signup
- Referral bonuses for both parties
See It in Action
Also available: MTN, AirtelTigo
✅ Complete! Fee: 100 KES
Built on Open Standards
Not proprietary lock-in. Future-proof architecture on emerging protocols.
WhatsApp (2B users)
No install • Universal access • Already on every phone
Xara AI Engine
GPT-4o • Whisper • Vision • Natural Language Understanding
MCP Server
Model Context Protocol • 50+ financial tools • Dynamic tool chaining
X-Pay Core
Multi-currency wallets • Payment providers • Virtual cards • Compliance
What This Actually Means
Model Context Protocol (MCP)
- Emerging standard by Anthropic
- Works with ANY LLM: GPT, Claude, Gemini, open-source
- Not locked to OpenAI - can switch providers
- Community can build tools - Xara auto-learns
GPT-First Architecture
- Not rule-based: AI understands intent, not keywords
- Not RAG: Tools provide real-time data
- Not fine-tuned: Uses GPT-4's native multilingual power
- Stateful: Remembers conversation context
Multimodal Processing
- Text: Natural conversation in any language
- Voice: Whisper transcription (1,000+ languages)
- Image: Snap bills/receipts → Xara extracts details
- Future: Video support for transactions
Security by Design
- PIN via WhatsApp Flows (encrypted forms)
- No PINs in chat history
- End-to-end WhatsApp encryption
- Transaction signing with session tokens
For Developers
Adding a new financial capability is this simple:
@mcp.tool()
async def create_virtual_card(
session_token: str,
card_name: str,
spending_limit: float
) -> Dict[str, Any]:
"""Create a virtual card for online payments"""
# Implementation...
return {
"card_number": "4242 **** **** 1234",
"cvv": "***",
"expires": "12/2027"
}→ Xara instantly knows how to offer this to users in natural language. No UI changes needed.
Real People, Real Solutions
See how Xara handles complex financial scenarios through natural conversation
The Freelancer
Amara in Lagos receives $500 from a US client
Why This Matters
- Multi-currency logic handled automatically
- User expresses complex intent in natural language
- No menu navigation or multiple screens
- Real-time exchange rates applied
These aren't hypotheticals. This is how Xara works right now.
The Exponential
Advantage
While others scale linearly, AI-native architecture scales exponentially
New Language Support
Traditional Bank
Xara AI
New Feature Launch
Traditional App
Xara AI
New Country Launch
Traditional Fintech
Xara AI
The WhatsApp Network Effect
Growth Trajectory
Conservative projections
Target: 50M users by 2027 across all 54 African countries
Frequently Asked Questions
Everything you need to know about Xara and X-Pay
Simply save our WhatsApp number (+231 XXX XXXX) and send 'Hi' to Xara. She'll guide you through creating an account in about 2 minutes—all through chat. No app download needed. You can start sending money, checking your balance, and more immediately after registration.
Yes! All messages are end-to-end encrypted by WhatsApp using the Signal Protocol. We use WhatsApp Flows for PIN collection—a secure encrypted form that never appears in your chat history. Every transaction requires PIN verification, and we employ bank-level security with fraud detection and regular security audits. Your PINs are never stored in plain text.
Xara can help you: check balance, send money to X-Pay users or phone numbers (even non-users via viral transfers), deposit from mobile money (MTN, Orange), withdraw to mobile money, create and manage virtual cards, join or create Susu savings groups, manage savings goals, view transaction history, and get receipts. All in English, French, or Swahili—or mix them!
No! X-Pay currently works entirely through WhatsApp. Mobile apps for iOS and Android are coming in Q2 2026, but you can do everything through Xara right now. This means it works on any phone with WhatsApp—no storage space, no updates, no app store hassles.
Xara is powered by GPT-4, which means she understands 1,000+ languages, including code-switching (mixing languages), pidgin, and slang. Officially supported with full testing: English, French, and Swahili. But she can handle Arabic, Hausa, Yoruba, Igbo, Amharic, and many more. You can literally text her in your natural speaking style.
Yes! This is called a 'viral transfer.' When you send money to a phone number not on X-Pay, Xara sends them a WhatsApp message with a registration link. As soon as they sign up (takes 2 minutes), the money transfers automatically. You both get a referral bonus. It's our way of growing the network while solving real problems.
Active now: MTN Mobile Money (Liberia, Uganda, Nigeria, Rwanda), Orange Money (Liberia), and Stripe (global cards). Coming Q1 2026: M-Pesa (Kenya, Tanzania, Ghana, etc.), Airtel Money (23 countries), Wave, Telebirr, and Vodafone Cash. Our goal is to integrate every major African payment provider so you can use one X-Pay wallet across the entire continent.
Xara uses GPT-4 to understand your intent, not just keywords. She doesn't follow scripts—she analyzes what you're trying to accomplish and uses Model Context Protocol (MCP) tools to execute actions. For example, if you say 'send 5k to my brother,' she understands you want to transfer money and asks for the number. Traditional chatbots would say 'invalid command' because you didn't press a menu button.
Yes! Xara uses Whisper (OpenAI's transcription model) which supports 1,000+ languages. Send a voice note in your language, and Xara transcribes and responds. This is especially powerful for users who aren't comfortable typing or have lower literacy levels. Full transactions can be completed via voice alone.
Internal transfers between X-Pay users: Free. Deposits from mobile money: 1% (min 10 LRD, max 5,000 LRD). Withdrawals to mobile money: 2% (min 20 LRD, max 10,000 LRD). Virtual card creation: Free. Currency conversion: Real-time rates + 0.5% spread. Volume discounts available for businesses.
X-Pay to X-Pay transfers: Instant (< 1 second). Mobile money deposits: 2-5 minutes (depends on provider). Mobile money withdrawals: Instant to 30 minutes. Virtual card creation: Instant. Xara's response time: ~500ms from message to response. Everything happens in the conversation—no waiting for emails or separate notifications.
Before confirming a transaction, Xara shows you all details and asks for PIN verification. If you spot an error, just say 'cancel' or 'wrong number' and start over. After confirmation, transfers are immediate and generally can't be reversed (like cash). For disputes or issues, message Xara with 'support' or email xara@xpay-bits.com. We respond within 24 hours.
Still have questions?
Message Xara on WhatsApp—she can answer in real-time!
The Future
Starts with One Message
Join the revolution. Choose your path.
For Users
Experience the future of banking. No app needed.
For Developers
Build the future with us. Open API + MCP tools.
For Partners
Integrate once. Reach 50M users across Africa.
For Investors
Join the revolution. Exponential growth potential.
The Mission
Making sophisticated financial services
as simple as texting a friend.