Just Send a Message
Swap
Crypto
Convert crypto to naira, and vice versa using simple text messages. Fast Reliable and Instant. MXE understands natural language and handles your swaps instantly — all inside a secure WhatsApp chat.
Swap now
Your AI Financial Assistant for Everyday Money
MXE brings your finances into one simple conversation. Send and receive money, swap crypto and naira instantly, create virtual cards, pay bills, and track your spending — all through a secure, intelligent WhatsApp chat experience.
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What You Can Do With MXE
Total Spent
Daily Limit
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
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
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
Apple Pay & Google Pay
International
Transactions
Works with Apple Pay and Google Pay for in-person and international transactions.
Send
Automatic Subscription
Automatic Subscription
& Renewal Reminders
MXE automatically detects your active subscriptions and free trials, and notifies you before renewals — helping you avoid unwanted charges, forgotten trials, and unnecessary deductions.
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 online Payment
Paying for Ads and Online shopping
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?
MXE is an AI-powered financial assistant built into WhatsApp. It lets you send and receive money, swap crypto to naira and vice versa, pay bills, track expenses, and manage virtual cards — all through simple chat and voice messages. How Does It Work? You start by chatting with MXE on WhatsApp. Use simple text or voice commands to send and receive money, swap crypto to naira, create and manage virtual cards, pay bills, and track your spending. MXE understands natural language and remembers your preferences to make future transactions faster, smoother, and easier.
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
