We're Building the Future of Banking
Not another fintech app. An AI-native financial operating system for Africa,
accessible through the world's most ubiquitous messaging platform.
The Problem We Saw
Traditional banking in Africa is broken. Apps require smartphones and data. Interfaces are complex. Languages are limited. The illiterate are excluded.
Mobile money helped, but it's fragmented—dozens of providers, different UIs, country-specific. Cross-border transfers are a nightmare.
Meanwhile, 500 million Africans use WhatsApp daily. What if banking was as simple as texting a friend?
Our Solution: Xara
Xara is Africa's first AI-native financial assistant. Powered by GPT-4 and Model Context Protocol, she understands natural language in 1,000+ languages.
No app download. No menus. No training. Just open WhatsApp, say what you need, and Xara handles it.
- Send money via voice in Swahili. Check balance in French. Pay bills in pidgin.
- Works on $20 feature phones. Zero learning curve. Instant access for 2 billion people.
Meet Xara
Named to reflect our commitment to accessible financial services, Xara is more than a chatbot—she's an AI agent with deep financial capabilities.
GPT-4 Powered
Understands context, learns preferences, handles code-switching, slang, and natural human speech patterns
WhatsApp Native
End-to-end encrypted. Works in the app you already use. Secure PIN collection via WhatsApp Flows
Truly Multilingual
Not just translation. Xara understands regional dialects, cultural context, and can switch languages mid-conversation
Model Context Protocol
Open standard by Anthropic. Future-proof. Works with any LLM. 50+ financial tools and growing
Real Xara conversation • Auto-cycles through languages
Our Values
Africa-First
Built for Africa's reality: 54 countries, 2,000+ languages, voice-first users, WhatsApp infrastructure.
AI-Native
Not bolting AI onto old systems. Xara is AI from the ground up—understanding intent, not following scripts.
Trust & Security
Bank-level security, end-to-end encryption, transparent operations. Your money, your control, always.
Financial Inclusion
Voice support for the illiterate. Zero installation for those with basic phones. Banking for everyone.
Our Team
A diverse team of technologists, financial experts, and Africa specialists passionate about transforming finance through AI
George S Mulbah Jr.
CEO
Visionary leader driving X-Pay's mission to transform financial inclusion across Africa through AI-native solutions.
Geitodyu Henrique Crusoe
CTO
Architect of Xara's GPT-First architecture and X-Pay's secure payment infrastructure spanning the continent.
Oliver Weh Klark Jr.
COO
Orchestrating operations and strategic partnerships to bring Xara to every African country.
David Chukwudi Orji
Head of Engineering
Leading the engineering team building scalable AI-native financial tools for Africa's digital economy.
Emuchay Nwachi
Chief Marketing Officer
Creating meaningful connections between Xara and communities across Africa through authentic storytelling.
Cindy Tetama Johnson
Chief Product Officer
Crafting user-centered AI experiences that solve real African financial challenges through natural conversation.
Join Our Mission
We're building the future of African finance. If you share our vision, we want to hear from you.