xMoney is a decentralised payment ecosystem that integrates fiat and crypto payment infrastructure. It enables businesses and consumers to send and receive payments using traditional methods (bank transfers, cards) alongside blockchain-based transactions. The network is designed to offer fast, low-cost, and borderless payments through a unified interface and interoperable services.

The system supports a dual-currency model:

• Loyalty Points – used for rewarding everyday engagement, redeemable by consumers and merchants
• XMN Tokens – used for premium features, governance, and tiered incentives

xMoney provides APIs for payment integrations, card issuing, loyalty programmes, recurring billing, and invoicing. The platform is built on the Sui blockchain and leverages its scalable, low-latency environment with smart contracts written in Move. It supports both web3-native integrations and traditional enterprise use cases, with regulatory alignment under MiCA.

XMN is the native token of the xMoney protocol. It operates as a multifunctional crypto-asset under the MiCA framework (Title II), distinct from e-money or asset-referenced tokens. XMN is issued on the Sui blockchain and grants utility features within the xMoney platform.

Holders of XMN may:

• Access merchant fee reductions through tiered token-based levels
• Earn loyalty points through staking, usage, and referrals
• Unlock early access to features and platform upgrades
• Vote on select governance proposals related to the ecosystem

XMN operates with phased vesting schedules and utility expansion over time. The token is admitted to trading directly (not offered via public sale) on regulated European exchanges, with compliance features integrated into its structure.

• Payment discounts for merchants holding or staking tokens
• Loyalty rewards for users based on activity and platform engagement
• Staking for governance participation over development decisions
• Incentive alignment across buyers, sellers, and developers
• Access to premium features, API integrations, and unlockable services

The token functions as the premium layer of the xMoney platform, underpinning loyalty dynamics and incentive engineering.

xMoney was created by xMoney Labs AG, a Liechtenstein-based public limited company. The organisation was incorporated in 2024 and is backed by the XMG Foundation. Key leadership includes:

• Grigorios Siourounis – Director
• Iosif Andrei Adam – Director
• Seratio Treuunternehmen – Director