xMoney (XMN) - MiCA-Compliant Crypto Payments and Stablecoin Platform

Crypto Payments Are Still Stuck Between Two Worlds#

Every year, businesses move trillions of dollars across borders. Yet the gap between traditional payment rails and blockchain remains wide open. Merchants want fast, cheap, and transparent transactions, but existing systems force them to choose between compliance and innovation. Crypto payments promise speed and low cost, but most lack the regulatory trust that banks and institutions demand. The result is a fragmented payment landscape where neither fiat nor crypto delivers a complete solution on its own.

A Licensed Payment Platform Where Fiat and Crypto Finally Work Together#

xMoney is not another experimental crypto project hoping for adoption someday. It is a fully licensed, MiCA-compliant payment ecosystem that already serves over 5,000 merchants across Europe. With Visa and Mastercard principal membership, its own stablecoins, and a native utility token built on the Sui blockchain, xMoney bridges the gap that has kept traditional finance and decentralized payments apart. Read on to find out how xMoney is building the rails for the next era of global finance.

What is xMoney coin?#

What does xMoney do?#

💳 Unified Fiat and Crypto Payments: xMoney lets merchants accept payments in multiple currencies and methods from a single platform, including Visa, Mastercard, Apple Pay, Google Pay, and over 110 cryptocurrencies like BTC, ETH, and SOL. Merchants settle in their preferred currency, whether that is EUR, USD, or a stablecoin.

🏦 Licensed Stablecoin Issuer: xMoney is developing its own stablecoins, including EURXM (digital Euro), USDXM (digital US Dollar), and RONXM (digital Romanian Leu). These are built on a MiCA-compliant framework, designed to enable fast, transparent, and low-cost cross-border settlement for businesses and institutions.

🎁 Rewards Network with Staking and Cashback: The xMoney Rewards Network turns everyday spending into an earning system. Users stake XMN tokens to receive cashback on purchases, earn APR on staked holdings, and compound rewards over time. Merchants also benefit from tiered fee reductions based on their XMN holdings and staking activity.

🗳️ Governance and Community Participation: XMN holders who stake their tokens gain voting rights on select governance proposals related to the platform’s development and upgrades. This promotes decentralized decision-making and gives the community a direct voice in shaping the ecosystem’s future direction.

💼 Full-Stack Merchant Solutions: Beyond simple payment acceptance, xMoney offers recurring billing, marketplace payment splitting, branded card issuing (physical and virtual), invoicing, and payment links. These tools are all accessible through a single dashboard or API, making it a comprehensive financial operating system for businesses.

🔗 Multi-Chain Infrastructure: XMN operates natively on the Sui blockchain for speed and scalability, while also expanding to MultiversX for broader interoperability. This multi-chain approach ensures the token can serve users and merchants across different blockchain ecosystems without friction.

Who are behind xMoney?#

Dr. Greg Siourounis - Co-Founder & CEO

• Award-winning economist with over 25 years of leadership experience in fintech and blockchain
• Former Managing Director of the Sui Foundation
• Founded EveryPay, a Greece-based payment service provider
• Received the 2005 Young Economist Award from the European Economic Association
• Won the 2008 Austin Robinson Prize from the Royal Economic Society
• His academic research was referenced in the 2024 Nobel Prize in Economics
• Attended London Business School

Bayar Ali - Chief Financial Officer (CFO)

• Joined xMoney in mid-2025 to lead financial strategy, risk management, and stablecoin infrastructure development
• Focused on navigating regulatory compliance across European markets
• Plays a key role in bridging fiat and crypto payment operations within the platform

Minas Kitsos - Chief Product Officer (CPO)

• Leads product development and user experience across the xMoney payment ecosystem
• Oversees the integration of payment, rewards, and merchant tools into a unified platform

Michael Nicoletos - Strategic Advisor

• Founder and CEO of DeFi Advisors
• Brings over 25 years of experience in global markets
• Advises on macro strategy and the role of XMN within the broader digital asset landscape

Original Founders (Utrust Era, 2018): Artur Goulao, Filipe Castro, Nuno Correia, and Roberto Machado originally built the platform under the name Utrust before it evolved into xMoney.

Why This Team Inspires Confidence#

Proven Leadership from Top-Tier Blockchain Organizations: CEO Dr. Greg Siourounis brings direct experience from leading the Sui Foundation, one of the most prominent blockchain ecosystems in the industry. His transition from running a major blockchain foundation to building a regulated payment platform demonstrates deep conviction in the real-world utility of blockchain technology.

Academic Excellence with Real-World Impact: The leadership team is not just experienced in business but grounded in rigorous academic research. Dr. Siourounis’ work being referenced in the 2024 Nobel Prize in Economics, along with multiple prestigious awards, signals a level of intellectual credibility that is rare in the crypto space.

$21.5 Million in Strategic Funding: xMoney secured $21.5 million in strategic funding with the Sui Foundation leading the round and MultiversX reaffirming its backing. This brings the total raised to $31.5 million, validating the platform’s competitive advantage in the stablecoin and global payments market.

Regulatory-First Approach with European Licenses: xMoney holds a Licensed Electronic Money Institution (EMI) license regulated by the Bank of Romania, is PCI DSS Level 1 Certified, and operates as a MiCA-compliant platform. This regulatory foundation gives merchants, exchanges, and institutions the confidence to integrate with xMoney.

Visa and Mastercard Principal Membership: Being a principal member of both Visa and Mastercard is an achievement that very few crypto-native companies can claim. This status provides direct access to the world’s largest card payment networks, enabling seamless integration between blockchain-based payments and traditional financial rails.

5,000+ Active Merchants and Institutional Clients: xMoney is not building in theory. The platform already serves over 5,000 merchants worldwide, including notable clients such as the Principality of Liechtenstein, Audi, and various global enterprises. This real-world adoption from day one sets it apart from projects that rely solely on future promises.

What to Know Before You Buy xMoney#

1. MiCA Compliance Positions XMN for Institutional Adoption

As the EU’s Markets in Crypto-Assets regulation takes full effect, compliant tokens like XMN stand to benefit significantly. Being one of the first MiCA-compliant tokens in Europe means XMN is positioned for listings on regulated exchanges and integration with traditional financial institutions that require regulatory clarity.

2. Real Revenue-Generating Business Behind the Token

Unlike many crypto tokens that exist purely as speculative assets, XMN is embedded in a functioning payment platform that processes real transactions for real businesses. This means token demand is tied to actual economic activity rather than hype alone, providing a more sustainable foundation for long-term value.

3. Stablecoin Market Opportunity Worth Trillions

Stablecoins already settle over $7 trillion annually, and xMoney is positioning itself at the center of this growing market with its own regulated stablecoins (EURXM, USDXM, RONXM). As a licensed EMI with Visa and Mastercard rails, xMoney is uniquely equipped to capture a share of this massive and expanding market.

4. Multi-Chain Strategy Expands the Addressable Market

By operating on both Sui and MultiversX, xMoney avoids being locked into a single blockchain ecosystem. This multi-chain approach broadens the potential user base and provides flexibility to adapt to whichever networks gain the most traction in the future.

5. Rewards Network Creates Organic Token Demand

The xMoney Rewards Network incentivizes users to stake XMN for cashback, APR earnings, and compounding rewards. Merchants are also incentivized to hold and stake XMN for tiered fee reductions. This dual-sided staking demand from both consumers and merchants creates a self-reinforcing cycle of token utility.

6. Ecosystem Buyback Mechanism Supports Token Value

xMoney’s roadmap includes a buyback program where a portion of ecosystem revenue is used to repurchase XMN tokens from the market and redistribute them to active participants. This creates a cyclical demand loop that directly ties the platform’s business success to token value.

How to buy xMoney?#

xMoney can be purchased directly on Binance through its Binance Alpha section. Binance Alpha features newly listed tokens with high growth potential, giving users early access to promising projects within the Binance ecosystem. Simply log in to your Binance account, navigate to the Binance Alpha section, and search for XMN to start trading.

Buy xMoney on Binance

xMoney is also listed on MEXC, where it trades against the XMN/USDT pair. If you are looking to pick up some XMN on MEXC, having USDT ready in your account will make the process smooth and straightforward. MEXC is known for its deep liquidity, fast token listings, and wide selection of over 2,800 tokens, making it a reliable platform for trading emerging crypto assets like XMN.

Buy xMoney on MEXC