# xMoney > xMoney is a financial ecosystem empowering businesses in the digital economy. It provides global payment processing, recurring billing, marketplace solutions, card issuing, invoicing, payment links, and MiCA-compliant stablecoins — bridging traditional finance and blockchain-based payments in one unified platform. ## About xMoney powers global payments through cutting-edge technology, helping businesses move faster, smarter, and more securely. Card payment services under the xMoney brand are provided by Capital Financial Services S.A., an electronic money institution licensed by the National Bank of Romania (authorization number IEME-RO-0001, issued April 25, 2013). Headquarters are located at 89-97 Grigore Alexandrescu, Metropolis Center, 6th floor, District 1, Bucharest, Romania. xMoney was originally founded as uTrust, acquired by the MultiversX group in 2022, and rebranded to xMoney in 2025. The platform is powered by MultiversX and provides end-to-end infrastructure including card acquiring, payment gateway services, fraud prevention, customer support, and funds settlement. The technology backbone is provided by Symbolic Protocol S.A., which delivers solutions supporting backoffice operations, system integrations, and synchronization. xMoney is trusted by over 5,000 businesses of all sizes, including brands such as Audi, Domino's Pizza, Alternative Airlines, and the City of Lugano. ## Products ### Payments Accept payments worldwide in multiple currencies with multiple payment methods including cards (Visa, MasterCard), mobile wallets (Apple Pay, Google Pay, Click2Pay), digital currencies (BTC, ETH, EGLD, SOL, SUI, and more), and local methods. Features include a hosted checkout page, embeddable payment UI elements, and crypto payment acceptance. xMoney is a principal member of Visa and Mastercard. - [Payments](https://www.xmoney.com/products/payments): Accept and optimize payments globally. - [Crypto Payments](https://www.xmoney.com/products/payments#crypto): Accept crypto payments with ease. ### Recurring Billing Build and scale predictable recurring revenue with subscription management. Features include flexible APIs for plans and free trials, automated smart retries, branded payment reminders, churn reduction, tokenized card storage, and full PCI DSS compliance. - [Recurring Billing](https://www.xmoney.com/products/recurring-billing): Build and scale recurring revenue. ### Marketplaces Simplify payment processing and optimize financial operations for marketplace platforms. Features include automated KYC/KYB onboarding, split payments to multiple vendors, automated payouts with predefined rules or schedules, transaction reconciliation, and robust APIs. - [Marketplaces](https://www.xmoney.com/products/marketplaces): Drive marketplace growth. ### Card Issuing Issue physical and virtual cards with custom branding. Features include branded card design, customizable card features, mobile wallet provisioning (Apple Pay, Google Pay), and streamlined expense and payout management. - [Issuing](https://www.xmoney.com/products/issuing): Issue your own customized cards. ### Invoices Generate invoices in minutes using the dashboard or API, with tracking for every payment. Supports crypto payments, flexible payment options for clients, payroll, expenses, and reimbursements. No setup fees or hidden charges. - [Invoices](https://www.xmoney.com/products/invoices): Simplify your business invoicing. ### Payment Links Generate simple payment links to share via email, chat, SMS, or social media. No website required. Supports both crypto and fiat currencies. - [Payment Links](https://www.xmoney.com/products/payment-links): Share a link, get paid in your currency of choice. ## Stablecoins xMoney is launching three MiCA-compliant, fiat-backed stablecoins in June 2026: - **EURXM**: Euro-backed stablecoin, 1:1 pegged to EUR. Designed for institutional payments, treasury management, cross-border settlements, and programmable finance. - **USDXM**: US Dollar-backed stablecoin, 1:1 pegged to USD. Designed for merchants and enterprises requiring a dollar-pegged MiCA-compliant asset. - **RONXM**: Romanian Leu-backed stablecoin, 1:1 pegged to RON. The first regulated Romanian leu-pegged stablecoin, designed for Romanian businesses seeking local-currency stability with blockchain settlement. All three stablecoins are structured as e-money tokens (EMTs), fully backed by fiat reserves, redeemable at par value at any time, and subject to ongoing independent financial audits. Initial deployment is on Sui Network and MultiversX, with planned expansion to Ethereum and additional ecosystems. - [Stablecoins Roadmap](https://www.xmoney.com/stablecoins): 2026 delivery plan. - [EURXM](https://www.xmoney.com/eurxm): The digital Euro. - [USDXM](https://www.xmoney.com/usdxm): The digital US Dollar. - [RONXM](https://www.xmoney.com/ronxm): The digital Romanian Leu. ## XMN Token XMN is the utility and governance token of the xMoney ecosystem, evolved from the former UTK token via community vote. It serves as the economic engine connecting payments, loyalty, and stablecoins. Features include merchant incentives (cashback, loyalty programs, fee reductions), staking and governance rewards, ecosystem growth allocations, and cross-chain support (Sui, MultiversX, with more planned). - [XMN Token](https://www.xmoney.com/token): Make your payments work for you. ## Security & Compliance - **Licensed EMI**: Licensed Electronic Money Institution regulated by the National Bank of Romania (since 2013). - **MiCA Compliant**: Fully compliant with EU Markets in Crypto-Assets Regulation. - **PCI DSS Level 1 Certified**: Highest level of payment security and compliance. - **VASP Licensed**: Virtual Asset Service Provider license in Portugal for crypto operations. - **AI-Powered Fraud Prevention**: Advanced fraud detection and prevention. - **SCA & 3D Secure 2.0**: Strong Customer Authentication for safer transactions. - **Automated AML/CFT Compliance**: Anti-money laundering and counter-terrorism financing compliance with transaction monitoring. ## Developers - [Get Started Guide](https://docs.xmoney.com/guides/general/get-started): Walks you through setting up xMoney. - [Card API](https://docs.xmoney.com/api/introduction): Integrate card payment processing into your applications. - [Crypto API](https://docs.xmoney.com/crypto_api/introduction): Add digital currency payments into your applications. - [Changelog](https://docs.xmoney.com/changelog): All notable changes to xMoney. ## Support & Resources - [Help Center](https://support.xmoney.com/): xMoney support and documentation. - [Blog](https://www.xmoney.com/blog): Updates, insights and highlights. - [About Us](https://www.xmoney.com/about-us): Company information. - [Contact Us](https://www.xmoney.com/contact): Business inquiries. - [Sign Up](https://www.xmoney.com/sign-up): Create an account. ## Login Portals - [Card Payments Login](https://merchants.xmoney.com/login): Start processing card payments. - [Crypto Payments Login](https://merchants.crypto.xmoney.com/sign-in): Expand your business with crypto payments. ## Contact - Website: https://www.xmoney.com - Stablecoin inquiries: stablecoin@xmoney.com - Phone: +40724220044