Xelio is revolutionizing cross-border payments by making crypto payments as simple as sending a text message.
🔐 Walletless Architecture - Secure access using just your phone number and OTP authentication - no complex private keys or wallet management required.
📱 SMS-Powered Global Transfers - Send digital dollars internationally via text message to any phone number, even without internet connectivity.
💸 Instant Cash Off-Ramps - Convert stablecoins directly to local currency through our regulated partner network, starting with Nigeria.
🏦 Direct Bank Transfers - Send funds straight to recipient bank accounts with competitive rates and fast processing.
📶 Offline-First Design - Xelio works on basic feature phones without internet access, reaching underserved and rural populations.
⚡ Invisible Crypto Rails - Benefit from blockchain speed and low costs without needing to understand the technology.
🤝 Regulated Compliance - Fully compliant operations through partnerships with licensed local financial providers.
📶 40% of Africans lack reliable internet, but SMS works on any phone 🏦 57% of sub-Saharan Africans are unbanked, but mobile penetration is 87% ⏰ Traditional remittances to Africa take days and cost substantial fees 💵 Xelio provides access to USD-pegged stablecoins in markets with volatile local currencies and high inflation 💸 Mobile money fees can reach 1%-5% per transaction, effectively taxing the poor for basic financial services
💰 High remittance costs burden families globally 🌍 Diaspora communities send $700B+ annually to home countries ⏰ Traditional services charge 8%-10% fees with slow processing times 🏦 Many recipients in emerging markets lack bank accounts but have mobile phones 📱 Current crypto solutions require technical knowledge that excludes most diaspora users 💸 Existing mobile money and fintech solutions are limited by banking infrastructure, regulatory approvals, and often charge extractive fees that disproportionately impact low-income families sending small amounts home
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