Everything you need to know about Xara

Xara is an AI-powered financial assistant that lives inside WhatsApp. No app to download, no new interface to learn. You send Xara a message, a picture, or a voice note, and it handles transfers, bill payments, airtime and data top-ups, and spending tracking, all from the same chat you already use to talk to friends and family.

Xara understands text, pictures, and voice notes, including Nigerian Pidgin. Snap a photo of a bank account number, and Xara reads it and sets up the transfer. Send a voice note requesting payment of a bill, and Xara processes it. It's built on a large language model, the same category of AI behind tools like ChatGPT, but trained specifically for how Nigerians actually talk and transact.

Yes. Xara runs on licensed financial infrastructure and bank-grade encryption, with a personal transaction PIN required for payments. It's certified by the Nigeria Data Protection Commission (NDPC) for data protection standards, and you can lock your Xara chat behind your phone's fingerprint or password for an extra layer of privacy.

Send “Hi Xara” to our WhatsApp number, or tap “Try Xara Now” on usexara.ai. You’ll go through a short onboarding process to verify your details and set your PIN, and then you’ll be transacting.

English, Nigerian Pidgin, Hausa, and Yoruba. Talk to Xara the way you'd naturally talk to anyone else.

Send money to any bank account, or Xara-to-Xara using just a phone number Pay bills, buy airtime and data Send money using a voice note or a photo of an account number Schedule payments and set transaction reminders Track your daily and weekly spending Fund your Xara wallet Send and receive mobile money and transactions across supported African countries

Yes, transfers are supported across African countries. International transfers outside Africa are not yet available, but it's on the roadmap.

It'll ask you to clarify or suggest how to phrase it. You can always switch between typing, a picture, or a voice note, whatever's easiest in the moment.

Freeze your Xara account instantly from any WhatsApp device to pause all activity, then go through a secure identity-verified recovery process to get back in. For extra protection, lock your phone with Face ID or a passcode, and lock your Xara chat separately.

Xara runs on licensed banking and payment infrastructure partners regulated under Nigerian financial law. Your funds are held securely with these licensed partners, not with Xara directly.

Message Xara directly on the same WhatsApp chat you use for transactions. Just type your issue, transfer failure, security concern, unsupported transfer type, or anything else, and Xara handles it instantly or routes you to a human support agent if it can't resolve it on its own.

Xara operates with transparent pricing. Personal users receive free transfer allocations depending on account activity, and any applicable standard network or processing fees are always clearly displayed in your chat before you authorise a payment with your PIN.

Because Xara operates directly inside WhatsApp, an active internet connection (data) and a smartphone are required to send voice notes, images, and chat instructions. However, Xara uses far less data than downloading and opening standard, heavy banking apps.

Yes. You can easily move money into Xara by making a transfer from any of your existing traditional bank apps or USSD codes directly to your dedicated Xara virtual account number.

Yes! Bulk transfers are active on Xara. You can send money to multiple recipients in a single action by typing out your list, sending a text with recipient details and amounts, or using a voice note (e.g., “Send ₦5,000 each to Mum, Tobi, and Emeka”). Xara will parse the details and ask for your PIN to confirm the batch payout.