AI-Native Capabilities

Not Features. Superpowers.

Traditional fintech apps give you buttons and menus. Xara gives you a financial co-pilot
that understands you, speaks your language, and handles complexity you didn't know existed.

Intent Recognition

Xara doesn't match keywords—she understands what you're trying to accomplish.

Examples:

'Send 5k to my brother' → Initiates transfer

'How much do I have?' → Shows balance

'I need to save for rent' → Creates savings goal

Voice Transactions

Send money, check balance, pay bills—all via voice messages. Financial inclusion for the 33% of Africans who can't read.

Examples:

Voice: 'Check my balance' (in Swahili)

Voice: 'Send 1000 to mama' (in French)

Voice: 'How much to Kenya?' (in pidgin)

OpenAI Whisper transcription supports 1,000+ languages with near-human accuracy.

True Multilingual

Not just translation—Xara understands cultural context, slang, code-switching, and regional dialects.

Examples:

Mix English + French in same sentence

Use local slang (e.g., 'make I send money')

Switch languages mid-conversation

GPT-4o native multilingual training on 1,000+ languages. No separate models per language.

Viral Growth Mechanism

Send money to anyone with a phone number. Non-users get auto-registered via WhatsApp. You both earn referral bonuses.

Examples:

Send to +231-XXX → They get registration link

They sign up in 2 minutes → Money transfers

You both get 100 LRD referral bonus

Viral loop built into core money transfer flow. 40%+ recipient conversion rate.

Model Context Protocol

Open standard by Anthropic. 50+ financial tools that Xara can dynamically chain to solve complex requests.

Examples:

User: 'Send $50 USD to Kenya'

Xara chains: currency_convert → validate_recipient → initiate_transfer → send_receipt

All automatic, all context-aware

FastMCP server with 50+ tools. Future-proof—works with any LLM (GPT, Claude, Gemini).

Pan-African Infrastructure

One wallet, all of Africa. MTN, Orange, M-Pesa, Airtel, Wave—Xara handles the complexity.

Examples:

Deposit from MTN Uganda

Send to M-Pesa Kenya

Withdraw to Orange Money Liberia

Unified API layer across 12+ payment providers. Auto-routing based on recipient country.

Bank-Level Security

End-to-end encryption. WhatsApp Flows for secure PIN collection. Every transaction requires verification.

Examples:

Messages encrypted by WhatsApp (Signal Protocol)

PINs collected via encrypted forms

Real-time fraud detection

PCI-DSS compliant. PINs never stored in plain text. Multi-factor authentication.

Context Persistence

Xara remembers your preferences, frequent recipients, and conversation history. Feels like texting a friend.

Examples:

You: 'Send to John' → She knows which John

You: 'Same amount' → She recalls last transfer

You: 'My usual deposit' → She knows your pattern

PostgreSQL-backed conversation memory with privacy controls. User can clear history anytime.

Smart Financial Insights

Xara analyzes your spending, suggests savings, warns about unusual transactions—like a financial advisor.

Examples:

'You spent 20% more this week. Want to review?'

'You're 500 LRD from your savings goal!'

'Unusual login from new device—was this you?'

ML models for spending categorization, anomaly detection, and personalized recommendations.

Real-World Scenario: Freelancer Gets Paid

Amara (Lagos, Nigeria) receives $500 from a US client. She wants to keep some USD, convert some to NGN, and send money to her family in Accra, Ghana.

The Conversation

Hey Xara, I just got paid $500 USD. Can you help me manage it?