X-Pay (Xara)
Africa's first AI banking assistant. Banking through conversation—no apps, no commands, just natural language on WhatsApp in 1000+ languages.
The Problem We're Solving
Traditional Banking Apps
- ✗Complex—too many buttons and menus
- ✗Exclusive—require smartphones and data
- ✗Language-limited—English or nothing
- ✗Fragmented—different app for each provider
Xara is Different
- Natural—just text like talking to a friend
- Accessible—works on any phone with WhatsApp
- Multilingual—1000+ languages including pidgin
- Unified—one wallet for all African providers
Revolutionary Features
Conversational AI (GPT-4)
No scripts. No menus. Xara understands what you mean, not just keywords. "Send 5k to my guy" → Xara knows you want to transfer money
True Multilingual Support
English, French, Swahili, pidgin, code-switching—even voice messages. Understanding 1000+ languages including regional slang
Pan-African Payments
One X-Pay wallet connects to every provider: MTN, Orange, M-Pesa, Airtel, Stripe. Send money across borders seamlessly
Voice-First Banking
Send voice note → Xara transcribes → responds in text or voice. Banking for everyone, including those who can't read
WhatsApp-Based (No App!)
2 billion people already use WhatsApp. No download. No storage. Works immediately on any phone
Viral Growth
Send money to non-users → They get SMS invite → Money arrives on signup. Every transaction = potential new user
How Xara Works
Save Xara's WhatsApp number
Add Xara as a contact on WhatsApp
Say "Hi" to start
Xara introduces herself and guides you through setup
Register in 2 minutes through chat
Simple conversational registration—no forms to fill
Start banking
"What's my balance?" • "Send 5000 to +231770123456" • "Deposit from my MTN" • "Create a virtual card for $50"
Xara handles everything
Natural conversation with instant execution
GPT-First Architecture
Not a chatbot—an AI assistant
Traditional Fintech
- • Rule-based menus
- • Keyword matching
- • Limited commands
- • English only
- • App required
Xara with GPT-4
- • Natural language understanding
- • Intent recognition
- • Unlimited flexibility
- • 1000+ languages
- • WhatsApp only
Built With:
- • GPT-4 (OpenAI) - Language understanding
- • Whisper - Voice transcription
- • Model Context Protocol (MCP)
- • WhatsApp Business API
- • Python (FastAPI)
- • PostgreSQL + Redis
- • AWS (Kubernetes, auto-scaling)
Real Conversations
💡 Xara understands pidgin and slang
💡 Xara handles code-switching (mixing English and French)
💳 Card: 4242 **** **** 1234
📅 Expires: 12/2027
🔒 CVV sent separately for security
💡 Xara transcribes voice messages and responds
Supported Payment Providers
Active Now
- MTN Mobile Money (Liberia, Uganda, Nigeria, Rwanda)
- Orange Money (Liberia)
- Stripe (Global cards)
Coming Q1 2026
- →M-Pesa (Kenya, Tanzania, Ghana)
- →Airtel Money (23 countries)
- →Wave, Telebirr, Vodafone Cash
Our goal: integrate every major African payment provider
Transparent Pricing
Building for 50M Users by 2027
Across all 54 African countries
The Future of African Banking
No apps. No commands. No training. Just conversation.