Money Transfers & Payments
Money Transfers
& Payments
Send money instantly to friends, family, vendors or other accounts. Pay bills (electricity, cable, airtime/data, etc.) without leaving WhatsApp.
Send
Your AI Financial Assistant for Everyday Money
MXE brings your finances into one simple conversation. Track expenses, manage virtual cards, get reminded of subscriptions, pay bills, and send money — all through an intelligent chat experience.
Try MXE Now
Send 10k
to Blessing Lagos
What You Can Do With MXE
Total Spent
N22,918.00
Daily Limit
N4,800.00 spent of 15,000.00
30%
Create and manage virtual cards from within the chat.
Create secure virtual cards for: Online shopping, International payments, Subscriptions, App and SaaS purchases. Control spending, freeze cards instantly, and stay protected.
Walmart
Interactions
Smart, Natural
Interaction
Use text, voice notes, or even upload screenshots. The assistant understands natural-language commands, images, and voice.
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International payments
ApplePay
International
Transactions
Works with Apple Pay for In-person and international transactions.
Send
Automatic Subscription
Automatic Subscription
& Renewal Reminders
MXE monitors your card activity and detects active subscriptions — Netflix, Apple, MTN data plans, Spotify, and more.
Try It Out MXE
Security Features
Security & Privacy
Your safety is a top priority. MXE Chat protects you with:
End-to-End Encryption
Conversations leverage WhatsApp's built-in encryption, ensuring privacy of messages and transactions.
Account Freeze on Lost Device
If your phone is lost or stolen, you can freeze your account to prevent unauthorized transactions.
PIN-Protected Payments
Every transaction is secured by a PIN you create during setup — you control when it's required (e.g., for large transfers or every transfer).
Optional Chat Lock / Biometric Login
You can hide the MXE Chat conversation inside a locked folder, only accessible with your phone password or biometric ID.
Context-aware & Secure Data Handling
The system respects your privacy and only processes data necessary for transaction and analytics.
Send to any bank from MXE
Where MXE Fits Into Everyday Lifes
Sent ₦20,000
to Fatimah
Paying at a Local market
Pay for food, groceries, or lunch in seconds.
Sent ₦20,000
to School Acct
Paying a School Fees
Scan, confirm, and the payment reflects no queues, no paperwork.
Sent ₦10,000
to Eben Ref. online Ticket
Paying for an Online Tutorial
Support your tutors or content creators with quick, direct payments.
Sent ₦5,000
to Mzmart
Pay at the supermarket
Shop, pack, and pay smooth and seamless. Just scan to complete.
Frequently Asked Questions
Have Questions? We've Got Answers.
Explore our FAQs to learn more about MXE Chat and how it can benefit your business.
01What is MXE Chat?
It's an AI-powered financial assistant built into WhatsApp. It allows you to send money, pay bills, track expenses, and manage virtual cards — all through chat, voice notes, or screenshot uploads.
02How does it work?
03Do I need another app?
04What if MXE Chat doesn't understand me?
05What happens if I lose my phone?
06Which languages/inputs does it support?
Instant Account Block
Lost Your Phone? Secure Your MXE Instantly
If your phone is lost or stolen, you can freeze your account to prevent unauthorized transactions.
Block User Account
Unblock User Account
