We're building "Send now, pay later" platform where you can access your wages early to pay bills or to share with your friends and families
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Our team members previously worked at places such as: Intel, Motorola, U.S Department of State, University of Phoenix, BlockMint Technologies, and much more....
Frequently Asked Questions
Is Xayo App regulated?
XayoApp is a service in partnership with Spendonly Inc, a licensed and regulated Money Transmitter, Currency Exchanger, and Deferred Presentment provider in the State of Florida with license# FT230000371. We are also a registered money service business with the United States Treasury Department's FinCen with MSB Registration Number: 31000184099272. We also partner with regulated financial entities in the Dominican Republic.
Can I lose money sent to a receiver in Xayo App?
No. Once we receive the request to access your wages early, we securely transmit it directly to your bank account you may be refunded in full amount(less processing fees) should there be any dispute.
How can I earn extra money on Xayo App?
Right now, you can earn 0.5% when access receive or send wages with Xayo App. We are currently working to bring additional earnings as we work on future features.
Is it safe to access wages early using Xayo App?
We are registered in several States in the United States and our partner(Spendonly Inc.) is currently licensed & regulated in the State of Florida. We work to ensure the early wage funds you are approved for to the receiver instantly within the app.
What is the service fees for early wage access on Xayo App?
Service fees varies depending on the early wage access amount and is determined by our affiliates. You will be presented with this information during the early wage access application process before you accept the terms
What is the early wage access repayment period?
Repayment period varies and will be presented to you during membership application in the mobile app.
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