{"id":63559,"date":"2026-02-13T14:50:09","date_gmt":"2026-02-13T11:50:09","guid":{"rendered":"https:\/\/coinengineer.net\/blog\/?p=63559"},"modified":"2026-02-13T14:50:09","modified_gmt":"2026-02-13T11:50:09","slug":"what-is-xmoney-xmn","status":"publish","type":"post","link":"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/","title":{"rendered":"What is xMoney (XMN)?"},"content":{"rendered":"<p data-start=\"198\" data-end=\"610\">The financial world is digitizing rapidly, and the sluggishness of traditional payment methods is becoming increasingly noticeable. Enter <strong>xMoney<\/strong>, formerly known as Utrust, which aims to place blockchain technology at the center of everyday payments. Backed by the <strong>MultiversX<\/strong> ecosystem, the project is not just a payment method but a comprehensive network that integrates both fiat currencies and crypto assets.<\/p>\n<p data-start=\"612\" data-end=\"1017\">xMoney is a comprehensive payment network that allows businesses and individuals to make payments, receive payments, and manage crypto assets. The journey began as Utrust (UTK), but after being acquired by MultiversX (formerly Elrond), the vision expanded and rebranded as xMoney. The project aims to make cryptocurrencies as easy to use as a credit card, overcoming volatility and usability challenges.<\/p>\n<p data-start=\"612\" data-end=\"1017\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-63565\" src=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-1024x341.jpg\" alt=\"\" width=\"1020\" height=\"340\" srcset=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-1024x341.jpg 1024w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-300x100.jpg 300w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-768x256.jpg 768w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney.jpg 1500w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/p>\n<p data-start=\"1019\" data-end=\"1041\">Core Objectives:<\/p>\n<ul data-start=\"1043\" data-end=\"1248\">\n<li data-start=\"1043\" data-end=\"1092\">\n<p data-start=\"1045\" data-end=\"1092\">Facilitate businesses to accept crypto + fiat<\/p>\n<\/li>\n<li data-start=\"1093\" data-end=\"1153\">\n<p data-start=\"1095\" data-end=\"1153\">Enable users to pay quickly, securely, and with low fees<\/p>\n<\/li>\n<li data-start=\"1154\" data-end=\"1248\">\n<p data-start=\"1156\" data-end=\"1248\">Protect merchants from volatility while offering refunds and security mechanisms to buyers<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1250\" data-end=\"1408\">The platform combines the advantages of traditional payment systems (cards, fiat infrastructure) with blockchain transparency and cross-border capabilities.<\/p>\n<p data-start=\"1410\" data-end=\"1529\">By 2025, the project initiated a migration from UTK to the new XMN token and deployed a MiCA-compliant token economy.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Founders_Team\" title=\"Founders &amp; Team\">Founders &amp; Team<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Project_Concept\" title=\"Project Concept\">Project Concept<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Investors_Partnerships\" title=\"Investors &amp; Partnerships\">Investors &amp; Partnerships<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#MiCA-Compliant_Stablecoins\" title=\"MiCA-Compliant Stablecoins\">MiCA-Compliant Stablecoins<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#How_xMoney_Works\" title=\"How xMoney Works\">How xMoney Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Governance\" title=\"Governance\">Governance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Roadmap\" title=\"Roadmap\">Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Token_Use_Cases_XMN\" title=\"Token Use Cases (XMN)\">Token Use Cases (XMN)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#UTK_vs_XMN\" title=\"UTK vs XMN\">UTK vs XMN<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Token_Information\" title=\"Token Information\">Token Information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Token_Distribution\" title=\"Token Distribution\">Token Distribution<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Ecosystem\" title=\"Ecosystem\">Ecosystem<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Key_Features\" title=\"Key Features\">Key Features<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/#Project_Links\" title=\"Project Links\">Project Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"1536\" data-end=\"1561\"><span class=\"ez-toc-section\" id=\"Founders_Team\"><\/span>Founders &amp; Team<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1563\" data-end=\"2099\">Founded by Nuno Correia, Roberto Machado, and Filipe Castro, the team merged with the vision of MultiversX founder Beniamin Mincu during the xMoney transformation. Nuno Correia is highly experienced in payment systems and blockchain strategies. Former Sui Foundation economist Dr. Greg Siourounis leads as CEO, guiding MiCA compliance. The team includes experts in software engineering, financial law, and corporate management. Being part of a large ecosystem like MultiversX provides significant technical and development advantages.<\/p>\n<h2 data-start=\"2106\" data-end=\"2131\"><span class=\"ez-toc-section\" id=\"Project_Concept\"><\/span>Project Concept<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2133\" data-end=\"2171\">xMoney addresses a clear pain point:<\/p>\n<ul data-start=\"2173\" data-end=\"2249\">\n<li data-start=\"2173\" data-end=\"2249\">\n<p data-start=\"2175\" data-end=\"2249\">Crypto is still complex, costly, and not user-friendly as a payment tool<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2251\" data-end=\"2277\">xMoney solves this with:<\/p>\n<ul data-start=\"2279\" data-end=\"2483\">\n<li data-start=\"2279\" data-end=\"2320\">\n<p data-start=\"2281\" data-end=\"2320\">Single API for crypto + fiat payments<\/p>\n<\/li>\n<li data-start=\"2321\" data-end=\"2369\">\n<p data-start=\"2323\" data-end=\"2369\">Automatic conversion (volatility protection)<\/p>\n<\/li>\n<li data-start=\"2370\" data-end=\"2394\">\n<p data-start=\"2372\" data-end=\"2394\">Loyalty point system<\/p>\n<\/li>\n<li data-start=\"2395\" data-end=\"2435\">\n<p data-start=\"2397\" data-end=\"2435\">Merchant-focused discount mechanisms<\/p>\n<\/li>\n<li data-start=\"2436\" data-end=\"2483\">\n<p data-start=\"2438\" data-end=\"2483\">On-chain + off-chain payment infrastructure<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2485\" data-end=\"2599\">The goal is not only \u201ccrypto payment\u201d but building a global, bankless, yet regulation-compliant payment network.<\/p>\n<h2 data-start=\"2606\" data-end=\"2640\"><span class=\"ez-toc-section\" id=\"Investors_Partnerships\"><\/span>Investors &amp; Partnerships<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2642\" data-end=\"2729\">The official whitepaper does not disclose individual VCs, but notable points include:<\/p>\n<ul data-start=\"2731\" data-end=\"2895\">\n<li data-start=\"2731\" data-end=\"2772\">\n<p data-start=\"2733\" data-end=\"2772\">Strategic partnership with MultiversX<\/p>\n<\/li>\n<li data-start=\"2773\" data-end=\"2803\">\n<p data-start=\"2775\" data-end=\"2803\"><a href=\"https:\/\/coinengineer.net\/blog\/?s=Sui+blockchain\">Sui blockchain<\/a> integration<\/p>\n<\/li>\n<li data-start=\"2804\" data-end=\"2842\">\n<p data-start=\"2806\" data-end=\"2842\">Listings on Bybit, Bit2Me, Bitvavo<\/p>\n<\/li>\n<li data-start=\"2843\" data-end=\"2895\">\n<p data-start=\"2845\" data-end=\"2895\">Special migration program for UTK holders to XMN<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2897\" data-end=\"3086\">The Investors &amp; Partners pool represents 10% of total supply, reserved only for strategic ecosystem contributors. This is designed for long-term engagement rather than classic VC dumping.<\/p>\n<h2 data-start=\"3093\" data-end=\"3129\"><span class=\"ez-toc-section\" id=\"MiCA-Compliant_Stablecoins\"><\/span>MiCA-Compliant Stablecoins<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3131\" data-end=\"3580\">xMoney\u2019s vision goes beyond transferring other people\u2019s money. Its major asset is the MiCA-compliant EURXM, USDXM, and RONXM stablecoins, scheduled for full launch in June 2026. These digital currencies form the backbone of the system, allowing merchants to receive instant liquidity without waiting for bank transfers. This move positions xMoney as a regulated, Europe-based digital banking alternative, rather than just a crypto payment gateway.<\/p>\n<h2 data-start=\"3587\" data-end=\"3613\"><span class=\"ez-toc-section\" id=\"How_xMoney_Works\"><\/span>How xMoney Works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3615\" data-end=\"3919\">At the core is a user-friendly dashboard. Businesses can start accepting payments in seconds via ready-made links or API integrations. Payments can be made not only in BTC or ETH but also in fast networks like Solana, Sui, and Elrond, as well as traditional giants like Visa, MasterCard, and Apple Pay.<\/p>\n<p data-start=\"3921\" data-end=\"4105\">Whether Bitcoin, Solana, or Sui is used, the system protects the merchant from risk behind the scenes. The stablecoin launch in June 2026 completes the regulated financial ecosystem.<\/p>\n<p data-start=\"4107\" data-end=\"4126\">For marketplaces:<\/p>\n<ul data-start=\"4128\" data-end=\"4379\">\n<li data-start=\"4128\" data-end=\"4187\">\n<p data-start=\"4130\" data-end=\"4187\">Automated Onboarding: KYC &amp; KYB processes automated<\/p>\n<\/li>\n<li data-start=\"4188\" data-end=\"4282\">\n<p data-start=\"4190\" data-end=\"4282\">Smart Distribution: Payments are automatically split; reconciliation handled by system<\/p>\n<\/li>\n<li data-start=\"4283\" data-end=\"4379\">\n<p data-start=\"4285\" data-end=\"4379\">High Security: PCI DSS Level 1 certification, AI-powered fraud prevention, 3D Secure 2.0<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-63564\" src=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-work-1024x320.png\" alt=\"\" width=\"1020\" height=\"319\" srcset=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-work-1024x320.png 1024w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-work-300x94.png 300w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-work-768x240.png 768w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-work.png 1347w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/p>\n<h2 data-start=\"4386\" data-end=\"4406\"><span class=\"ez-toc-section\" id=\"Governance\"><\/span>Governance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4408\" data-end=\"4426\">XMN stakers can:<\/p>\n<ul data-start=\"4428\" data-end=\"4530\">\n<li data-start=\"4428\" data-end=\"4470\">\n<p data-start=\"4430\" data-end=\"4470\">Vote on platform development proposals<\/p>\n<\/li>\n<li data-start=\"4471\" data-end=\"4503\">\n<p data-start=\"4473\" data-end=\"4503\">Influence loyalty parameters<\/p>\n<\/li>\n<li data-start=\"4504\" data-end=\"4530\">\n<p data-start=\"4506\" data-end=\"4530\">Suggest treasury usage<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4532\" data-end=\"4542\">However:<\/p>\n<ul data-start=\"4544\" data-end=\"4672\">\n<li data-start=\"4544\" data-end=\"4589\">\n<p data-start=\"4546\" data-end=\"4589\">Company management decisions are excluded<\/p>\n<\/li>\n<li data-start=\"4590\" data-end=\"4621\">\n<p data-start=\"4592\" data-end=\"4621\">No equity or profit-sharing<\/p>\n<\/li>\n<li data-start=\"4622\" data-end=\"4672\">\n<p data-start=\"4624\" data-end=\"4672\">Full governance expansion targeted for H1 2027<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"4679\" data-end=\"4696\"><span class=\"ez-toc-section\" id=\"Roadmap\"><\/span>Roadmap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"4698\" data-end=\"5070\">\n<li data-start=\"4698\" data-end=\"4732\">\n<p data-start=\"4700\" data-end=\"4732\">Oct 2025: XMN launch (Sui)<\/p>\n<\/li>\n<li data-start=\"4733\" data-end=\"4806\">\n<p data-start=\"4735\" data-end=\"4806\">2025 Rebranding: Utrust + Twispay \u2192 xMoney: Crypto + fiat unified<\/p>\n<\/li>\n<li data-start=\"4807\" data-end=\"4868\">\n<p data-start=\"4809\" data-end=\"4868\">H1 2026: Merchant scoring system, token fee discounts<\/p>\n<\/li>\n<li data-start=\"4869\" data-end=\"4936\">\n<p data-start=\"4871\" data-end=\"4936\">June 2026: MiCA-compliant stablecoins (EURXM, USDXM, RONXM)<\/p>\n<\/li>\n<li data-start=\"4937\" data-end=\"5008\">\n<p data-start=\"4939\" data-end=\"5008\">H2 2026: Loyalty mechanism, ecosystem incentives, token buyback<\/p>\n<\/li>\n<li data-start=\"5009\" data-end=\"5070\">\n<p data-start=\"5011\" data-end=\"5070\">2027+: Full governance expansion, treasury management<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-63563\" src=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-roadmap.png\" alt=\"\" width=\"984\" height=\"723\" srcset=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-roadmap.png 984w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-roadmap-300x220.png 300w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/xmoney-roadmap-768x564.png 768w\" sizes=\"auto, (max-width: 984px) 100vw, 984px\" \/><\/p>\n<h2 data-start=\"5077\" data-end=\"5108\"><span class=\"ez-toc-section\" id=\"Token_Use_Cases_XMN\"><\/span>Token Use Cases (XMN)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"5110\" data-end=\"5247\">\n<li data-start=\"5110\" data-end=\"5136\">\n<p data-start=\"5112\" data-end=\"5136\">Merchant fee discounts<\/p>\n<\/li>\n<li data-start=\"5137\" data-end=\"5156\">\n<p data-start=\"5139\" data-end=\"5156\">Loyalty rewards<\/p>\n<\/li>\n<li data-start=\"5157\" data-end=\"5181\">\n<p data-start=\"5159\" data-end=\"5181\">Early feature access<\/p>\n<\/li>\n<li data-start=\"5182\" data-end=\"5203\">\n<p data-start=\"5184\" data-end=\"5203\">Governance voting<\/p>\n<\/li>\n<li data-start=\"5204\" data-end=\"5226\">\n<p data-start=\"5206\" data-end=\"5226\">Staking incentives<\/p>\n<\/li>\n<li data-start=\"5227\" data-end=\"5247\">\n<p data-start=\"5229\" data-end=\"5247\">Ecosystem grants<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5249\" data-end=\"5371\">XMN is a utility token, not an investment token. The whitepaper clearly states: it does not provide profit expectations.<\/p>\n<p data-start=\"5249\" data-end=\"5371\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-63562\" src=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-Token-owewiev-1024x408.png\" alt=\"\" width=\"1020\" height=\"406\" srcset=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-Token-owewiev-1024x408.png 1024w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-Token-owewiev-300x120.png 300w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-Token-owewiev-768x306.png 768w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-Token-owewiev.png 1266w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/p>\n<h2 data-start=\"5378\" data-end=\"5398\"><span class=\"ez-toc-section\" id=\"UTK_vs_XMN\"><\/span>UTK vs XMN<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5400\" data-end=\"5644\">XMN is 100% MiCA-compliant, with a 10B max supply, Sui-focused, and globally scalable. UTK migration is manual (UpgradeUTK portal), 1:1 options exist but dilution remains a discussion. XMN is stronger with stablecoins and cross-chain bridges.<\/p>\n<h2 data-start=\"5651\" data-end=\"5678\"><span class=\"ez-toc-section\" id=\"Token_Information\"><\/span>Token Information<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"5680\" data-end=\"5829\">\n<li data-start=\"5680\" data-end=\"5698\">\n<p data-start=\"5682\" data-end=\"5698\">Token: XMN<\/p>\n<\/li>\n<li data-start=\"5699\" data-end=\"5733\">\n<p data-start=\"5701\" data-end=\"5733\"><a href=\"https:\/\/coinmarketcap.com\/currencies\/xmoney\/\">Max Supply<\/a>: 10,000,000,000<\/p>\n<\/li>\n<li data-start=\"5734\" data-end=\"5773\">\n<p data-start=\"5736\" data-end=\"5773\">Circulating Supply: 344,160,000<\/p>\n<\/li>\n<li data-start=\"5774\" data-end=\"5808\">\n<p data-start=\"5776\" data-end=\"5808\">Initial Circulation: ~650M<\/p>\n<\/li>\n<li data-start=\"5809\" data-end=\"5829\">\n<p data-start=\"5811\" data-end=\"5829\">Network: Sui<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-63560\" src=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/Schedule-xmn-1024x555.png\" alt=\"\" width=\"1020\" height=\"553\" srcset=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/Schedule-xmn-1024x555.png 1024w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/Schedule-xmn-300x163.png 300w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/Schedule-xmn-768x416.png 768w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/Schedule-xmn.png 1379w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/p>\n<h2 data-start=\"5831\" data-end=\"5856\"><span class=\"ez-toc-section\" id=\"Token_Distribution\"><\/span>Token Distribution<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"5858\" data-end=\"6132\">\n<li data-start=\"5858\" data-end=\"5904\">\n<p data-start=\"5860\" data-end=\"5904\">Community &amp; Loyalty Rewards (30%) \u2192 3B XMN<\/p>\n<\/li>\n<li data-start=\"5905\" data-end=\"5941\">\n<p data-start=\"5907\" data-end=\"5941\">Treasury &amp; Growth (20%) \u2192 2B XMN<\/p>\n<\/li>\n<li data-start=\"5942\" data-end=\"5983\">\n<p data-start=\"5944\" data-end=\"5983\">Operational Expenses (15%) \u2192 1.5B XMN<\/p>\n<\/li>\n<li data-start=\"5984\" data-end=\"6031\">\n<p data-start=\"5986\" data-end=\"6031\">Investors &amp; Early Supporters (10%) \u2192 1B XMN<\/p>\n<\/li>\n<li data-start=\"6032\" data-end=\"6071\">\n<p data-start=\"6034\" data-end=\"6071\">Staking &amp; Governance (10%) \u2192 1B XMN<\/p>\n<\/li>\n<li data-start=\"6072\" data-end=\"6132\">\n<p data-start=\"6074\" data-end=\"6132\">Liquidity, Ecosystem &amp; Legal Processes (15%) \u2192 remaining<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6134\" data-end=\"6212\">Tokens are released gradually until 2035 to prevent sudden market inflation.<\/p>\n<p data-start=\"6134\" data-end=\"6212\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-63561\" src=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-token-allocation-1024x609.png\" alt=\"\" width=\"1020\" height=\"607\" srcset=\"https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-token-allocation-1024x609.png 1024w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-token-allocation-300x178.png 300w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-token-allocation-768x457.png 768w, https:\/\/coinengineer.net\/blog\/wp-content\/uploads\/2026\/02\/XMN-token-allocation.png 1399w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/><\/p>\n<h2 data-start=\"6219\" data-end=\"6238\"><span class=\"ez-toc-section\" id=\"Ecosystem\"><\/span>Ecosystem<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"6240\" data-end=\"6419\">\n<li data-start=\"6240\" data-end=\"6270\">\n<p data-start=\"6242\" data-end=\"6270\">Merchant payment solutions<\/p>\n<\/li>\n<li data-start=\"6271\" data-end=\"6295\">\n<p data-start=\"6273\" data-end=\"6295\">Native mobile wallet<\/p>\n<\/li>\n<li data-start=\"6296\" data-end=\"6322\">\n<p data-start=\"6298\" data-end=\"6322\">Cross-border transfers<\/p>\n<\/li>\n<li data-start=\"6323\" data-end=\"6342\">\n<p data-start=\"6325\" data-end=\"6342\">Loyalty program<\/p>\n<\/li>\n<li data-start=\"6343\" data-end=\"6369\">\n<p data-start=\"6345\" data-end=\"6369\">Staking infrastructure<\/p>\n<\/li>\n<li data-start=\"6370\" data-end=\"6390\">\n<p data-start=\"6372\" data-end=\"6390\">Developer grants<\/p>\n<\/li>\n<li data-start=\"6391\" data-end=\"6419\">\n<p data-start=\"6393\" data-end=\"6419\">Cross-chain integrations<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"6421\" data-end=\"6436\">Future plans:<\/p>\n<ul data-start=\"6438\" data-end=\"6500\">\n<li data-start=\"6438\" data-end=\"6455\">\n<p data-start=\"6440\" data-end=\"6455\">Card networks<\/p>\n<\/li>\n<li data-start=\"6456\" data-end=\"6478\">\n<p data-start=\"6458\" data-end=\"6478\">Payment processors<\/p>\n<\/li>\n<li data-start=\"6479\" data-end=\"6500\">\n<p data-start=\"6481\" data-end=\"6500\">DeFi integrations<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"6507\" data-end=\"6529\"><span class=\"ez-toc-section\" id=\"Key_Features\"><\/span>Key Features<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"6531\" data-end=\"6778\">\n<li data-start=\"6531\" data-end=\"6582\">\n<p data-start=\"6533\" data-end=\"6582\">Crypto + fiat integrated payment infrastructure<\/p>\n<\/li>\n<li data-start=\"6583\" data-end=\"6618\">\n<p data-start=\"6585\" data-end=\"6618\">Automatic volatility protection<\/p>\n<\/li>\n<li data-start=\"6619\" data-end=\"6648\">\n<p data-start=\"6621\" data-end=\"6648\">Loyalty-based token model<\/p>\n<\/li>\n<li data-start=\"6649\" data-end=\"6676\">\n<p data-start=\"6651\" data-end=\"6676\">High performance on Sui<\/p>\n<\/li>\n<li data-start=\"6677\" data-end=\"6695\">\n<p data-start=\"6679\" data-end=\"6695\">MiCA-compliant<\/p>\n<\/li>\n<li data-start=\"6696\" data-end=\"6717\">\n<p data-start=\"6698\" data-end=\"6717\">Long-term vesting<\/p>\n<\/li>\n<li data-start=\"6718\" data-end=\"6749\">\n<p data-start=\"6720\" data-end=\"6749\">UTK \u2192 XMN migration program<\/p>\n<\/li>\n<li data-start=\"6750\" data-end=\"6778\">\n<p data-start=\"6752\" data-end=\"6778\">Buyback-supported cycles<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"6785\" data-end=\"6808\"><span class=\"ez-toc-section\" id=\"Project_Links\"><\/span>Project Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/www.xmoney.com\/\">Website<\/a><\/li>\n<li><a href=\"https:\/\/x.com\/xMoney_com\">Twitter<\/a><\/li>\n<li><a href=\"https:\/\/t.me\/xmoney\">Telegram<\/a><\/li>\n<\/ul>\n<p><em class=\"darkmysite_style_txt_border darkmysite_processed\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don\u2019t forget to follow us on our\u00a0<a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" href=\"https:\/\/t.me\/coinengineernews\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">Telegram,\u00a0<\/a><a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" href=\"https:\/\/www.youtube.com\/@CoinEngineer\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">YouTube<\/a>,\u00a0and\u00a0<a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" href=\"https:\/\/twitter.com\/coinengineers\" target=\"_blank\" rel=\"nofollow noopener\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">Twitter<\/a>\u00a0channels for\u00a0<\/em><em class=\"darkmysite_style_txt_border darkmysite_processed\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">the latest\u00a0<a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" title=\"News\" href=\"https:\/\/coinengineer.net\/blog\/news\/\" data-internallinksmanager029f6b8e52c=\"7\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">news<\/a>\u00a0and updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The financial world is digitizing rapidly, and the sluggishness of traditional payment methods is becoming increasingly noticeable. Enter xMoney, formerly known as Utrust, which aims to place blockchain technology at the center of everyday payments. Backed by the MultiversX ecosystem, the project is not just a payment method but a comprehensive network that integrates both<\/p>\n","protected":false},"author":36,"featured_media":63633,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,5],"tags":[2267,27860,27859,27858],"class_list":["post-63559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-altcoin-projects","category-project-review","tag-crypto-wallet","tag-multiversx-ecosystem","tag-xmn-token","tag-xmoney-crypto-payments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is xMoney (XMN)? - Coin Engineer<\/title>\n<meta name=\"description\" content=\"xMoney integrates crypto fiat payments with MiCA-compliant stablecoins, offering fast, secure, global merchant solutions and staking rewards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/coinengineer.net\/blog\/what-is-xmoney-xmn\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is xMoney (XMN)? 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