Common questions. Straight answers.

Every wallet top-up is an irrevocable charitable contribution to Xerish Storehouse, a 501(c)(3) Donor-Advised Fund sponsor. The wallet UX you see is your Donor Advisory Account at the Storehouse. Balances are held in cash-equivalent investments (default: short-duration U.S. Treasury bills) until you recommend a grant.

Yes. Under IRS rules for Donor-Advised Funds, a contribution to Xerish Storehouse is an irrevocable charitable gift the moment it clears. You retain advisory privileges over the balance — you recommend which organizations receive grants — but the money itself belongs to the Storehouse. This is what makes the tax receipt valid at top-up time.

Legally yes — practically no. The IRS requires every Donor-Advised Fund sponsor to retain ultimate legal discretion over grants; without that posture, the contribution would not qualify as deductible. Xerish Storehouse reconciles this by operating under a blanket Board pre-approval framework: the Storehouse Board has pre-approved the entire F.I.G.S.-vetted Pre-Approved Recipient List in advance, so any grant recommendation to a vetted organization on that list flows through without per-grant Board action. Override is reserved for the legally required edge cases — fraud, revocation of 501(c)(3) status, F.I.G.S. failure, sanctions list — not for second-guessing your direction.

Xerish Storehouse, as the 501(c)(3) of record, issues the tax receipt for each contribution at top-up time. A $100 top-up gets you a $100 receipt. Recipient organizations do NOT issue duplicate receipts — that is the DAF advantage. Your year-end statement is available any time from Treasury → Year-end Statement.

Yes, within the cancellation window. Twenty-four hours for grants tied to a specific post; forty-eight hours for direct grants. Cancel in-app or by email; the amount returns to your Donor Advisory Account. After the window, Xerish Storehouse approves and disburses the grant. See the Grant Cancellation Policy for the full mechanics.

Xerish Storehouse charges 0.5% per year on Donor Advisory Account balances to fund Storehouse operations — vetting, compliance, board, audit, IRS filings. Charged monthly against accrued yield (T-bill float) first, then against principal if needed. Disclosed in the Donor Advisory Agreement. This is one of three Storehouse funding sources, alongside the T-bill float yield itself and the quarterly Joseph Principle transfer from Xerish SPC.

Xerish SPC (the technology operator) is funded by a small per-contribution service fee paid by Donor Advisors at top-up time. A $100 contribution is charged at ~$105.77 — $100 goes to the Storehouse as the deductible gift, $2.50 covers the SPC service fee, $3.27 covers Stripe processing. Churches and recipient organizations pay zero subscription fees and zero per-grant fees. Forever. Locked in the SPC charter.

Within the 24h or 48h cancellation window, cancel in-app or email support; the amount returns to your Donor Advisory Account within one business day. After the window the grant is approved by the Storehouse and the contribution itself is irrevocable per IRS DAF rules. For exceptional cases — recipient misconduct, account compromise — contact legal@xerish.com.

Yes. Contributions to Xerish Storehouse are deductible in the year made, subject to standard IRS limits on charitable contributions. The Storehouse issues the receipt at top-up time. Your year-end statement aggregates everything.

Every recipient on the Pre-Approved Recipient List passes the F.I.G.S. standard (Faith, Integrity, Generosity, Stewardship) — the board-approved Recipient Vetting Policy of Xerish Storehouse. Binary per pillar: pass, fail, or needs more information. No numeric scores. Annual reaffirmation required. Read the full standard at /figs.

Account balance passes to your designated successor advisor under the Successor Advisor Policy, or to the Storehouse if no successor is named. Your year-end statement is IRS-grade and reflects every contribution with date and amount; the Storehouse retains all substantiation.

Default anonymity to recipient organizations — they see that a gift came in, not who sent it. You may opt to share your name with a specific recipient. Churches see aggregate Family-tier giving — never individual donor-level dollar figures.

Apply at xerish.com/apply or have the church admin start the application from the iOS or Android app. Approval typically takes 5-10 business days and runs through the F.I.G.S. review. Approved churches are placed on the Pre-Approved Recipient List and provisioned with the Family Layer (members), funds (Tithe and General by default), and a Stripe Connect payment route for grant disbursement.

Twenty percent of Xerish SPC net platform profit transfers quarterly to Xerish Storehouse for Kingdom-causes allocation. Net profit = SPC service fee revenue minus Stripe processing, infrastructure, salaries, and legal counsel. Quarterly transfers and recipient lists published at /transparency.

A partnership is a confirmed relationship between a church and an organization on Xerish. Both parties agree to it. It allows the church to include the organization in their drives without a separate approval step, and lets both display each other on their profiles. Either side can end the partnership at any time.

A Drive is a giving event created by a church. The church picks the recipient organizations and the percentage share each one receives. Every gift to the drive is split between those organizations according to those shares. When the drive closes, the funds transfer to each organization automatically through Stripe. The split is final — once the drive is complete, the record is permanent.

Xerish takes 0% of your gift to a drive. Stripe charges a standard processing fee (~2.9% + $0.30), which you cover at checkout. If you want to support Xerish, there is an optional tip — always your choice. 20% of Xerish's profit goes to Kingdom causes, the Joseph Principle.

Xerish combines Chi — the Greek letter X, a symbol for Christ — with the word Cherish. To Xerish is to hold dear what God holds dear, to invest where God invests, and to cultivate with care and affection. Generosity through the lens of Christ.

Summer 2026. We chose to take additional time to ensure the platform is excellent at launch rather than rushed. Join the waitlist to be notified the week we go live.

Xerish operates as two entities. Xerish SPC is a Washington State Social Purpose Corporation — the for-profit technology operator, structurally bound to its mission by charter (EIN 42-1881594). Xerish Storehouse is a Washington State Nonprofit Corporation and 501(c)(3) Donor-Advised Fund sponsor — the entity that receives Donor Advisor contributions and disburses grants to recipient organizations. Contributions to the Storehouse are tax-deductible; the SPC service fee at top-up is not.

A wallet top-up is one Stripe charge — covering Stripe processing plus a small Xerish SPC service fee that funds the technology platform. A $100 contribution is charged at ~$105.77: $100 to Xerish Storehouse (your deductible gift, your tax receipt amount), $2.50 SPC service fee, $3.27 Stripe processing. After that, the full grant amount you recommend reaches the recipient organization — 0% per-grant fee, forever. Most platforms charge per transaction; this design pays the platform once and then lets every subsequent grant land in full.

Every application triggers AI-assisted due diligence — verifying IRS 501(c)(3) status, reviewing online presence, and assessing mission alignment with the F.I.G.S. Standard (Faith, Integrity, Generosity, Stewardship). The Xerish team reviews before making a decision. We are deliberately selective.

Four pillars: Faith, Integrity, Generosity, Stewardship. Faith — showing up consistently when funding is tight, when no one is watching. Integrity — audited financials, board oversight, transparent reporting. Generosity — toward staff, partners, peer organizations, the broader Body. Stewardship — active deployment of resources toward measurable Kingdom outcomes. F.I.G.S. is the standard we hold ourselves to as a company, the standard we expect from every partner organization, and the culture we cultivate in every Giver on the platform. Xerish is a place for those who share these values.

Named after Genesis 41:34 — Joseph stored one-fifth of Egypt's harvest to give in years of need. Xerish commits one-fifth (20%) of net profit to the Storehouse for church planting, ministry grants, and Kingdom causes. Embedded in our charter under WA SPC law. Chosen freely, as cheerful givers seeking first the Kingdom of God.

Yes. Xerish is built for every Christian church regardless of size or denomination, from a 30-member house church to a multi-site congregation. Every faithful local Christian church proclaiming Christ is welcome at the table.

No — Xerish is designed to complement an existing church management system, not replace it. Many churches run Xerish in parallel: keep your CMS for membership, communications, and attendance; use Xerish for designated funds, member giving, partner organizations, and the Connection Hub. Most churches find that Xerish replaces only the giving line item in their current stack, because there is no per-gift commission and no monthly platform fee.

Member contribution statements are generated automatically as branded PDFs, accessible inside the mobile app and emailed at year-end. Each receipt is stamped with your church EIN and includes the IRS Publication 1771-compliant language ("No goods or services were provided in exchange for this contribution"). Designated and undesignated gifts are itemized. No manual receipting, no spreadsheets — the infrastructure handles it correctly and completely.

Yes. Your church creates the funds — General, Tithe, Missions, Building, Benevolence, Youth, or any custom designation — and members choose at the moment they give. A single tap can route a gift to your General Fund; a longer flow lets a member split a gift across designations or send it to a partnered Kingdom organization through the Connection Hub. Every gift is tracked at the designation level for both the member statement and the church-side report.

Member giving data is visible only to the member and to your church's designated leadership — never to other Xerish users, never to other organizations, and never to advertisers. Family-tier content (Family-only posts, prayer details, Family events) is gated by membership and protected by row-level security in the database. Joining a church's Family tier is self-selected by the member; the church does not need to approve, and the member can leave at any time. We do not sell or share member contact information.

Your giving history, member roster, and designated-fund records are yours. If Xerish ever sunsets the platform, we commit to a minimum 90-day notice and a complete CSV export of every gift, member, and designation. Member contact information is never sold; the export is the church's property. Xerish is a Washington State Social Purpose Corporation — the mission is bound to the charter, which makes a quiet acquisition-and-strip far harder than on a typical for-profit platform.