xMoney PriceXMN

What is xMoney (XMN)?

xMoney (XMN) is a MiCA-compliant multi-functional token designed to bridge traditional finance with blockchain innovation. Formerly known as Utrust (UTK), the project rebranded to xMoney and now positions XMN as the core utility token embedded directly into its licensed and regulated payment infrastructure. The token operates on a multi-chain strategy built on MultiversX and Sui, giving it access to two distinct blockchain environments with MoveVM capabilities. xMoney provides a unified ecosystem of fiat and crypto payments, card issuing, stablecoin settlement, and on/off-ramp solutions. The platform is designed to serve both merchants and consumers, offering lower transaction fees and loyalty-embedded payments for businesses while providing rewards and governance participation for users. XMN has a maximum and total supply of 10 billion tokens, with an initial circulating supply of approximately 650 million. The project has raised a total of $31.50 million, including $21.50 million in September 2025, and published its latest whitepaper, WHITE PAPER XMN 3.0, in April 2026.

Key Specifications & Tokenomics

• Name: xMoney
• Ticker / Symbol: XMN
• Blockchains: MultiversX and Sui
• Sui Contract Address: 0x97c7571f4406cdd7a95f3027075ab80d3e9c937c2a567690d31e14ab1872ccee
• MultiversX ESDT Identifier: XMN-cfe145
• Category: Payment Utility Token, MiCA-Compliant
• Max Supply: 10,000,000,000 XMN
• Total Supply: 10,000,000,000 XMN
• Initial Circulating Supply: ~650,000,000 XMN
• No Future Issuance: No more tokens beyond total supply unless determined per whitepaper
• Token Distribution: Community/Loyalty/Rewards/Merchant Incentives 30%, Treasury/Reserve 20%, Business Operations 15%, Investors/Early Backers 10%, Staking & Governance Incentives 10%, Legal/Compliance/Audits 5%, Ecosystem Integrations/Cross-Chain 5%, Liquidity/Market Operations 5%
• Compliance Framework: EU MiCA / MiCAR
• Official Website: https://www.xmoney.com

Who created xMoney?

xMoney was co-founded by Greg Siourounis, who serves as Co-Founder and CEO. Greg Siourounis is described as an economist, entrepreneur, and payments pioneer leading xMoney with a clear vision. The project also lists Roberto Machado as Co-Founder and Board Member, and Rodrigo Russell as Chief Revenue Officer. The founding team brings together expertise in economics, payments, and business development. Additionally, the project has associations with prominent figures in the blockchain space, including Beniamin Mincu and Lucian Mincu, co-founders of MultiversX, who appeared in an xMoney Founders Strategy Session. Adeniyi Abiodun, Co-Founder and Chief Product Officer at Mysten Labs, the original contributor to Sui, has also been associated with the project. The entity behind the project is xMoney Labs AG.

How does xMoney work?

xMoney operates as a unified crypto-fiat payment ecosystem that integrates both traditional and blockchain-based payment capabilities. The platform provides licensed payment infrastructure including card issuing, stablecoin settlement, and on/off-ramp services. XMN functions as the core utility token that fuels the entire ecosystem, embedded directly into xMoney's regulated payment gateway. The token operates across two blockchains: MultiversX and Sui, utilizing a multi-chain strategy that leverages the strengths of both networks. The Sui integration brings MoveVM capabilities to the ecosystem, while MultiversX provides its own ESDT token standard. The platform has developed native payment SDKs for iOS, Android, and React Native, allowing developers to integrate xMoney's payment solutions into mobile applications. The whitepaper references technologies including blockchain, artificial intelligence, new and sustainable energy sources, and both centralized and decentralized systems. The token's design follows the EU's MiCA framework, ensuring regulatory compliance and transparency for exchanges, institutions, and merchants.

What makes xMoney unique and valuable?

xMoney distinguishes itself from most utility tokens through its real-world adoption from day one. XMN is already integrated into xMoney's regulated payment gateway and services used by businesses across Europe. The token is MiCA-compliant, meaning it adheres to the European Union's regulatory framework for crypto-assets, which provides credibility with exchanges, institutions, and merchants worldwide. The project offers tangible benefits to both merchants and consumers: merchants can access lower transaction fees, loyalty-embedded payments, and token-based settlement options, while consumers earn rewards and participate in governance. The multi-chain strategy across MultiversX and Sui provides flexibility and scalability. The tokenomics structure includes long-term vesting schedules designed to ensure stability, alignment, and sustainable growth, with community rewards unlocking over seven years and staking incentives over ten years. The project has raised substantial funding and has been listed on major exchanges, providing global access from day one.

What is xMoney used for?

XMN serves multiple functions within the xMoney ecosystem. Staking allows holders to stake XMN to earn rewards and unlock exclusive merchant perks. Governance gives staked XMN holders a voice in shaping the platform's future, allowing them to vote on proposals that guide ecosystem growth and community initiatives, though governance excludes xMoney Labs AG's core business decisions. Loyalty rewards enable users to earn loyalty points redeemable for purchases, discounts, and gamified rewards. For merchants, XMN provides lower transaction fees, loyalty-embedded payment options, and token-based settlement. For consumers, the token enables reward earning and governance participation. The token is also used for merchant incentives and user rewards, helping to drive adoption and usage growth. The design aligns incentives across users, contributors, and stakeholders to ensure long-term growth of the xMoney ecosystem while maintaining platform integrity. XMN does not represent an investment, financial instrument, or promise of profit.

How Is the xMoney ecosystem developing?

The xMoney ecosystem is developing across multiple fronts. The platform provides a unified crypto-fiat payment ecosystem for businesses and consumers, with licensed payment infrastructure including card issuing, stablecoin settlement, and on/off-ramp services. A regulated payment gateway is already used by businesses across Europe. Native payment SDKs are live for iOS, Android, and React Native. The project has expanded to multiple chains, with XMN launching on Sui in October 2025 and listings across global exchanges. The ecosystem includes merchant incentives, user rewards, staking, and community governance features. The xMoney Unplugged video series breaks down the full ecosystem, covering infrastructure, products, and the token. The whitepaper XMN 3.0 published in April 2026 details tokenomics, utility features, governance rights, and regulatory compliance under MiCAR. The project continues to develop its multi-chain strategy across MultiversX and Sui, with ecosystem integrations and cross-chain expansion supported by a dedicated 5% allocation of the token distribution.

How to mine xMoney?

XMN is not a mineable cryptocurrency. There is no mining mechanism for xMoney, as the token operates on the MultiversX and Sui blockchains, which do not use proof-of-work mining. Instead, XMN holders can participate in staking to earn rewards. Staking XMN helps strengthen network security, promotes active governance, and recognizes long-term ecosystem contributors. The Staking & Governance Incentives allocation represents 10% of the total token distribution, with vesting over 10 years starting at launch. The unlock schedule is proportional to staking amounts and corresponding APR, linearly decreasing on a yearly basis. Stakers can earn rewards and unlock exclusive merchant perks within the xMoney ecosystem. Staked XMN also gives holders governance rights to vote on proposals guiding ecosystem growth and community initiatives. The staking mechanism is designed to reward locking and governance participation, with boosted governance weights for OG and early supporters.

How to keep your xMoney Coin safe?

Keeping XMN safe requires following standard cryptocurrency security practices. Since XMN operates on MultiversX and Sui, users should use compatible wallets that support these blockchains. For long-term storage, hardware wallets that support the relevant networks provide the highest level of security by keeping private keys offline. Users should always verify contract addresses when interacting with XMN tokens, using the official Sui contract address or the MultiversX ESDT identifier. Enabling two-factor authentication on exchange accounts and using strong, unique passwords are essential. Users should be cautious of phishing attempts and only interact with official xMoney channels and verified platforms. The project maintains a Legal/Compliance/Audits allocation of 5% of token distribution to ensure compliance, legal expenses, advisory work, audit costs, and regulatory costs are covered. As with all crypto-assets, investing carries significant market risk, including extreme volatility and the potential loss of entire capital.