SoXara
BusinessTry on WhatsApp
Liberia · early access opens 2026

Bringer
of Light.

A USD wallet, a virtual Visa card, and a Co-pilot who answers in the app or on WhatsApp. Send to anyone on Soxara by phone number. Built for Africa. Starting in Liberia.

No download needed — try on WhatsAppSoXara for Business →
Get the app· coming soon
USD
wallet
with LRD on hand
Visa
virtual card
spend online
P2P
by number
inside Soxara
AI
co-pilot
WhatsApp + app
9:41
MD
Tue · 28 May
Mariama Davies
Cash on hand
$1,247.40
+$214 this weekLRD 240,920
Today
$92.00
3 sends · 1 receive
Yesterday
$48.50
+$12 vs avg
Sell
Send
Card
Top up
Pay Daniel back?
You usually send around $25 mid-month. Last sent 18 May.
This weekSee all
DK
Daniel Kollie
Soxara · 18:02
−$25.00
♪
Spotify
Card · 09:11
−$9.99
ZK
Zainab Kanneh
Soxara · yesterday
+$15.00
9:41
SoXara
online · co-pilot
Send $25 to Daniel
18:01
What's Daniel's number?
18:01
+231 77 124 8821
18:01
Found Daniel K. on Soxara.
$25.00 from your wallet · arrives instantly · fee $0
18:01
SoXara · Flow
Confirm transfer
ToDaniel K.
Amount$25.00
FeeFree
Open Flow → Send
Encrypted in-app form · confirms with biometric or PIN
18:01
Sent ✓
ref SX-T9K2-MQ04
Cash on hand $1,222.40
18:02
Message SoXara…
The product

One wallet, five primitives.

Hold, send, spend, ask, and bridge to cash. Designed as one thing — not glued together.

01 · Wallet

A USD wallet — and Liberian dollars on hand.

Hold dollars natively. Convert to LRD when you need to pay locally. Atomic ledger; no half-finished transfers. P2P inside Soxara is free, forever.

USD WALLET
primary
$1,247.38
LRD ON HAND
193.10/USD
L$ 17,500
FX
$100 → L$ 19,250
USDLRDTransparent FXFree P2P
02 · Card

A virtual Visa card, the moment KYC clears.

Spend online anywhere Visa is accepted — Spotify, Steam, AWS, Apple. Freeze in one tap from the app or by sending one message.

Soxara
VIRTUAL
4242 ···· ···· 9180
HOLDER
MARIAMA D.
EXP
08/29
VISA
VisaIssued instantlyFreeze in one tap
03 · P2P by number

Send to any Soxara wallet — just type the phone number.

No bank details, no IBANs, no SWIFT. If they have a Soxara wallet, the money lands instantly. If they don't, invite them and the transfer waits.

TO+231 77 124 8821● Daniel K.
AMOUNT
$25.00
feefree
Arrives in < 1 second · ref SX-T9K2-MQ04
InstantFree inside SoxaraConfirm with PIN
04 · Assistant

An AI that holds the wallet, not just the phone.

Send, request, top up, get an FX quote, check balance, fetch a statement — all behind PIN. The same answer in the app and on WhatsApp.

"Send $25 to Daniel — same number as last time."
Tools available
send.transferwallet.balancefx.quotecard.freezecash.bridgestatement.fetch
Six toolsPIN-gatedWhatsApp + app
05 · Cash in & out

Move money to and from mobile money — when you need to.

Top up your Soxara wallet from MTN or Orange Money. Withdraw back when you want cash on the street. A bridge to your wallet, not a substitute for it.

MTN
MTN
077 ···· 829
O
ORANGE
088 ···· 412
CASH IN / OUT
SOXARA WALLET
$1,247.38
L$ 240,920 on hand
MTN cash-in / outOrange cash-in / outPolling-first settlement
Interface parity

The same Soxara, in both places.

Every feature in the app works on WhatsApp. Same wallet, same auth, same answer. Sensitive confirmations open a Flow — an in-app form that returns to chat when done.

WhatsApp
text-first · Flows for confirmations
identical result
Send $25 to Daniel
What's Daniel's phone number?
+231 77 124 8821
Found Daniel K. on Soxara.
$25.00 from your wallet · fee $0 · instant
SoXara · Flow
Confirm transfer
ToDaniel K.
Amount$25.00
FeeFree
Open Flow → Send
Confirms with biometric or PIN inside the Flow
Sent ✓ Soxara wallet $1,222.38
Soxara app
ios + android · biometric PIN
identical result
Send
to Daniel Kollie
to+231 77 124 8821
amount$25.00 USD
feefree
arrivesinstantly
SoXara for Business

Run the cockpit.
From your laptop. From your pocket.

Sell, pay staff, manage inventory, file taxes, and grow regulars — with a Co-pilot watching the numbers between sessions. One identity. Two devices. Built for traders, restaurants, kiosks, and platforms across Africa.

Open SoXara for BusinessCockpit · POS · Co-pilot · Payouts · Compliance
SoXara Business · Cockpit
Cockpit
Co-pilot
POS
Catalog
Inventory
Bookings
Staff
Customers
Good morning,Abigail
Cash on hand
$4,218.40
LRD 819,366
+$214
Yesterday
$412.50
Customers
42
Royal Restaurant
$4,218.40
Today
$216
What needs you
Flour low · 2.1 kg left
How it works

From sign-up to first spend, in under an hour.

Phone in, ID up, money in, card live. Most users finish in 25 minutes.

  1. 01

    Tell us your number

    Sign up by phone. No password — identity is your number, session is OTP or biometric, authorization is your PIN.

  2. 02

    Snap your ID

    Gemini Vision reads your Liberian ID or passport. KYC clears in minutes, not days. Your wallet auto-provisions the moment it does.

  3. 03

    Fund it from mobile money

    Top up in LRD from MTN or Orange. Convert to USD at a transparent FX rate. Card lights up the second you have a balance.

  4. 04

    Spend anywhere

    Virtual Visa for online. Mobile money for offline. P2P for friends. WhatsApp for everything else.

Security · 13 non-negotiables

Money is boring on purpose.

The full operating doctrine lives in our security spec. These are the rules every line of code is held to.

01

No password column

Identity is your phone. Session is OTP or biometric. Authorization is your PIN. We literally do not store passwords.

auth.users · no password_hash
02

Card details never touch us

Raw card numbers, CVVs, and full PANs are handled by our card issuer. We see the last four — that's it.

card.* · PCI-handled
03

Atomic ledger, every time

Wallet debits and credits sit inside a single database transaction. No half-finished transfers. Ever.

BEGIN; debit; credit; COMMIT;
04

Idempotent payments

Every payment path is keyed on a reference. Replay the request, get the same result — no double-charge, no double-credit.

Idempotency-Key: SX-T9K2-MQ04
05

Signed webhooks at the edge

Card and messaging webhooks are HMAC-verified at the gateway. Unsigned traffic never reaches the services behind it.

HMAC-SHA256 · constant-time
06

KYC you can explain

Liberian ID and passport reads go through an explainable pipeline with an auto-provision event. Approvals are decisions, not magic.

kyc.events · auto-provision
Pricing

Free where it should be. Honest where it isn't.

P2P inside Soxara is free, forever. Merchant fees stay flat. No hidden FX margin.

Personal
free

For everyday Liberians sending, spending, and saving.

  • USD + LRD wallet
  • Virtual Visa card
  • MTN + Orange cash-in / out
  • WhatsApp + app, with AI assistant
  • Free P2P inside Soxara
Join waitlist
POPULAR
Merchant
0.9% / txn

For traders, kiosks, and businesses accepting payment.

  • Everything in Personal
  • Hosted checkout link
  • Bulk payouts to staff
  • Settlement to USD or LRD
  • Sub-accounts + roles
Talk to Soxara
Platform
custom

For NGOs, payroll partners, and platforms moving cash at volume.

  • Everything in Merchant
  • Programmatic API access
  • White-label option
  • Dedicated infrastructure
  • BSA / KYC reporting
Talk to Soxara
Early access

Be on the first dawn.

Liberia opens in 2026. Drop your phone and we'll send you a WhatsApp the moment we're letting people in — no spam, no marketing chain.

Rather not wait? Message us on WhatsApp now — no app, no install, no waiting.

By joining, you agree we may contact you on WhatsApp. We don't sell your number.