Question 1

What is xMoney?

Accepted Answer

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.

Question 2

What is xMoney (XMN)?

Accepted Answer

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.

Question 3

What is xMoney (XMN) used for?

Accepted Answer

- 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.

Question 4

Who created xMoney (XMN)?

Accepted Answer

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

#	Instrument	Exchange	Benchmark Score	Price	24h Change	24h Volume	24h Trades	24h Open	24h High
1	XMN-USD XMNUSD	kraken	AA	0.0₃4860USD	1.04%	20,899,423.60XMN	343	0.0₃4810USD	0.0₃5999USD
2	XMN-USDT XMN-USDT	kucoin	BB	0.0₃4871USDT	1.06%	12,569,253.00XMN	545	0.0₃4820USDT	0.0₃5112USDT
3	XMN-EUR XMNEUR	kraken	AA	0.0₃4330EUR	0.93%	1,518,531.54XMN	57	0.0₃4290EUR	0.0₃4540EUR
4	XMN-USD XMN-USD	btse	-	0.0₃4906USD	7.87%	46,378,242.95XMN	95,337	0.0₃4549USD	0.0₃5306USD
5	XMN-EUR XMN-EUR	bitvavo	B	0.0₃4310EUR	1.65%	32,544,117.19XMN	207	0.0₃4240EUR	0.0₃4410EUR
6	XMN-USDT xmnusdt	huobipro	C	0.0₃4000USDT	0.00%	0XMN	0	0.0₃4000USDT	0.0₃4000USDT
7	XMN-THB THB_XMN	bitkub	C	0.01640THB	2.24%	10,834,215.13XMN	52	0.01603THB	0.01704THB
8	XMN-USDT XMNUSDT	mexc	C	0.0₃4900USDT	4.26%	9,805,607.50XMN	154	0.0₃4700USDT	0.0₃5000USDT
9	XMN-USDT xmn_usdt	digifinex	D	0.0₃5000USDT	0.00%	7,807,645.40XMN	67	0.0₃5000USDT	0.0₃5000USDT
10	XMN-USDT XMN-USDT	btse	-	0.0₃4908USDT	6.70%	5,962,264.49XMN	1,765	0.0₃4600USDT	0.0₃5019USDT
11	XMN-EUR XMNEUR	bit2me	B	0.0₃4330EUR	0.93%	1,518,531.54XMN	57	0.0₃4290EUR	0.0₃4540EUR
12	XMN-USDC XMN-USDC	btse	-	0.0₃4800USDC	5.52%	541,581.19XMN	1,343	0.0₃4549USDC	0.0₃5008USDC