Common questions. Straight answers.

Every wallet top-up is an irrevocable charitable contribution to Xerish Storehouse, organized as a 501(c)(3) Donor-Advised Fund Sponsor (IRS recognition pending). The wallet you see in the app is your account at the Storehouse. Balances are held in safe, short-term U.S. Treasury investments 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 lets the Storehouse issue your receipt at top-up time.

Legally, yes — you are recommending a grant, and the Storehouse holds final authority over every dollar. The IRS requires that posture of every Donor-Advised Fund sponsor; without it, your contribution would not qualify as deductible. In practice, your recommendation is honored: every organization and church on Xerish has already passed the Storehouse’s vetting standard (F.I.G.S.) and sits on its Pre-Approved Recipient List, so recommendations to them execute automatically under a board-approved framework — typically within minutes after the standard clearing window. Redirection happens only if a recipient leaves the list — for example, an organization loses its IRS charitable status, a credible fraud finding emerges, or it fails re-vetting. In that case pending recommendations pause for human review and you are notified. The Storehouse’s authority is not a trapdoor; it is the safeguard that ensures money you meant for Kingdom work can never be forced to a recipient who no longer qualifies for it. Read the full answer at xerish.com/transparency/who-controls-the-money.

Xerish Storehouse, as the charity of record (501(c)(3) recognition pending), 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 Xerish wallet. After the window, Xerish Storehouse approves and disburses the grant. See the Grant Cancellation Policy for the full mechanics.

Xerish SPC (the technology operator) is funded by one small service fee paid at top-up time — a flat 2.5% when you add money to your wallet. A $100 contribution is charged at $105.77 — $100 goes to the Storehouse as your gift, $2.50 covers the 2.5% 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 Xerish wallet 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.

Contributions to Xerish Storehouse are intended to be tax-deductible in the year made, to the full extent allowed by law and subject to standard IRS limits on charitable contributions. Xerish Storehouse's IRS 501(c)(3) recognition is pending; during the review period it operates under interim fiscal sponsorship. The Storehouse issues the receipt at top-up time, and 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.

By default, your name is shared with the recipient organization as the giver behind your gift. You can switch to anonymous giving anytime in Settings — then recipients see the gift, not your name. Either way, the grant is made by Xerish Storehouse. Churches see aggregate Family Layer giving — never individual Giver-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, non-founder salaries, and legal counsel — founder compensation is excluded from the base. The 20% is computed and reserved before any founder draw, and is never clawed back. A quarter with no net profit transfers $0. Quarterly transfers and recipient lists are 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 funds without a separate approval step, and lets both display each other on their profiles. Either side can end the partnership at any time.

A Fund can support a single recipient — for example, a church Missions fund that goes to the church itself at 100% — or it can support multiple F.I.G.S.-passed organizations and churches working on the same general cause. A church (or Xerish) picks the recipients and, when there is more than one, the percentage share and reason for each. You give once, and the gift is split among the recipients by allocation. When the fund closes, the money transfers to each recipient automatically through Stripe. The split is final — once the fund is complete, the record is permanent.

Xerish SPC charges a flat 2.5% service fee on giving to a Fund, added on top of your gift at checkout. Because you cover it, 100% of your gift still reaches the fund's recipient organizations. Stripe charges a standard processing fee (~2.9% + $0.30), which you also cover at checkout. 20% of Xerish's profit goes to Kingdom causes, the Joseph Principle.

Xerish uses AI in a few narrow, clearly bounded places — stewardship insights in your Treasury, a giving coach in the app, growth and formation coaching for organizations and churches, and the assistant on this website. Each is powered by Anthropic Claude, works only from your own account data (never another giver's), and holds no authority over money: it can never approve a grant or tell you how much to give. Xerish does not train AI models on your data. The full record, surface by surface, is at xerish.com/transparency-ai.

Xerish blends cherish with the Taw — the last letter of the Hebrew alphabet, written as a cross in ancient script and used in Scripture as a mark of protection. To xerish is to hold dear what God holds dear: to treasure who He treasures and invest where He invests.

We're in the final stretch of building. We're taking the time to make the platform excellent rather than commit to a date we might rush — so we're not announcing one yet. Join the waitlist and you'll be the first to know 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 intended to be tax-deductible (IRS 501(c)(3) recognition pending; interim fiscal sponsorship in place); the SPC service fee at top-up is not.

A wallet top-up is one Stripe charge — covering Stripe processing plus the one Xerish SPC service fee that funds the technology platform: a flat 2.5% when you add money. A $100 contribution is charged at $105.77: $100 to Xerish Storehouse (your gift, your tax receipt amount), $2.50 SPC service fee (2.5%), $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.

Tax receipts for your members are issued by Xerish Storehouse, the Donor-Advised Fund sponsor (501(c)(3) recognition pending) that holds member contributions — not by your church. Because the Storehouse is the donee of record, your church does not issue duplicate receipts and your EIN is not stamped on them; that is the donor-advised fund advantage. Members see a branded year-end giving statement inside the mobile app and by email that aggregates their contributions, with designated and undesignated gifts itemized. No manual receipting, no spreadsheets, no EIN administration on your end.

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 Layer 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 Layer 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.