The money stays home. The bond crosses the Atlantic.
Joxko connects the Senegalese diaspora in Canada with families in Senegal. Parents pay in CFA francs in Dakar, the student receives dollars in Montréal. No international wire for each transfer, so lower fees and less waiting.
The parent deposits
The student receives
Estimate only, based on today's EUR/CAD rate (the CFA franc is pegged to the euro). Money transfers will open once regulatory approvals are obtained in Canada and Senegal.
Four services, two accounts, one platform
Each service comes in through one country and goes out through the other. Only parcels actually cross the ocean.
From Senegal to Canada
Pay for your child's studies
Parents deposit CFA francs by Wave, Orange Money, bank transfer or at a branch. The student receives dollars by Interac e-Transfer. Tuition or rent can be paid directly, with the invoice attached.
“Your son received 1,525 CAD at 2:32 p.m.”
Products from home, delivered in Canada
Café Touba, guedj, yéti, thiouraye, bissap, peanut paste. Bought from selected suppliers in Dakar, vacuum-packed, shipped in a shared parcel every month. Home delivery or community pickup point.
From Canada to Senegal
Support your family
The worker pays in dollars by Interac e-Transfer. Their relative receives CFA francs on Wave, Orange Money, by bank transfer, or in cash at a partner location with a pickup code.
Canadian products for Senegal
Over-the-counter medicine, electronics, clothing, parts. The customer sends a link, gets an all-in quote in FCFA and pays in Senegal. The team buys in Canada and arranges delivery.
The same path for every transaction
You make a request
Amount, recipient, preferred date. Online or on your phone.
The rate is locked
You see the exact amount received before you pay. It stays guaranteed for 24 hours.
You deposit
With a unique reference, for example JX-2611-0042, so your deposit is matched without mistakes.
The deposit is checked
No payment goes out until your funds are received and reconciled.
The recipient gets paid
They confirm in one tap. You get the proof and a PDF receipt.
You always know where your money is
Each step sends a message to the right person, on WhatsApp, by text or by email, in French, English or Wolof.
- Parents know when the money arrives, to the minute.
- A reminder before each due date: August, December and April terms, monthly rent.
- An alert when the rate reaches the level you chose.
- The order deadline for next month's parcel.
Be one of the first families
Joxko opens first to a small group of families and students. Leave your details: we'll write to you as soon as we launch, with no fee on your first transfer.
- CheaperA clearly shown margin and modest flat fees, compared before every transfer.
- More humanA team in Senegal and Canada that answers on WhatsApp.
- TraceableEvery transaction has a reference, a status and a receipt.
Frequently asked questions
How does the money arrive without an international wire?
Joxko holds a CFA franc account in Senegal and a dollar account in Canada. Parents' deposits in Dakar and workers' deposits in Canada balance each other: each payout is made from the account in the destination country. Only the net difference is rebalanced, in grouped and declared transfers.
When can I send money?
Money transfer is a regulated activity in Canada and Senegal. Transfers will open only once the required registrations and approvals are obtained. The product shop will open first. People on the waitlist will hear first.
How is the rate calculated?
The CFA franc is pegged to the euro: 1 euro equals 655.957 FCFA. The CAD/FCFA rate therefore follows the day's euro to Canadian dollar rate, plus a clearly shown margin. You know the exact amount received before you pay.
Which products can be received in Canada?
Only products that may legally be imported: coffee, grains, spices, bissap, peanut paste and some dried seafood under Canadian Food Inspection Agency rules. Meat products are not accepted.
Is my information protected?
Your details are used only to let you know when we launch. They are never sold or shared, and they are deleted on request.