Xelio is a global money transfer and payment platform that enables users to securely send and receive Stablecoins like USDC via SMS! Without needing a smartphone or internet access; built for emerging markets; and starting with Nigeria, Xelio simplifies crypto transactions using a secure backend architecture, offering seamless onboarding, automatic wallet creation, and real-time settlement. We're creating the first reliable rails for Stables-2-Cash (local currency) off-ramping whilst optimising yield collection to reduce leakage and reduce users fees to 0!