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


UTK	ERC20	ETH	0xdc9Ac3C20D1ed0B540dF9b1feDC10039Df13F99c	2020-09-30
UTK	ESDT	EGLD	UTK-2f80e9	2026-11-10
UTKV1	ERC20	ETH	0x70a72833d6bF7F508C8224CE59ea1Ef3d0Ea3A38	2017-12-26
XMN	SUI20	SUI	0x97c7571f4406cdd7a95f3027075ab80d3e9c937c2a567690d31e14ab1872ccee::xmn::XMN	2025-07-11