xMoney

xMoney is a regulated financial ecosystem empowering businesses to operate in both the digital and traditional economy. Founded in 2017 (originally as Utrust, rebranded in 2025 following acquisition by MultiversX), xMoney unifies crypto payments and e-money/fiat payment rails into a single, fully regulated infrastructure. The platform is operated by Capital Financial Services S.A., a licensed Electronic Money Institution (EMI) regulated by the National Bank of Romania (license IEME-RO-0001), and is PCI DSS Level 1 certified with MiCA compliance for crypto-asset services.

Core Products/Services

xMoney offers a comprehensive suite of payment products designed for online merchants, marketplaces, fintechs, and enterprises across Europe:

• Payments: Accept cards (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay), digital currencies (BTC, ETH, EGLD, SOL, SUI, USDC, USDT, and more), and local payment methods—all via a single, compliant payment gateway with fraud prevention, SCA/3DS 2.0, and a merchant dashboard.
• Recurring Billing: API-powered subscription management with smart retry logic, branded payment reminders, automated billing workflows, and tokenized card storage for SaaS, membership sites, and subscription box businesses.
• Marketplace Payments: End-to-end solutions for marketplace operators including automated KYC/KYB seller onboarding, complex split payments to multiple vendors, automated payouts, and reconciliation tools.
• Card Issuing: Issue branded physical and virtual Mastercard cards in EUR, RON, GBP, and USD. Includes API-powered card management, spending controls, mobile wallet provisioning (Apple Pay, Google Pay), and 3D Secure authorization.
• Invoices: Create and send professional invoices from dashboard or API, supporting crypto and fiat payment options with no hidden fees.
• Payment Links: Generate shareable payment links via email, SMS, or chat—no website required—with flexible currency settlement options.
• Stablecoins (Roadmap): Three MiCA-compliant, fully fiat-backed stablecoins in development: EURXM (Euro), USDXM (US Dollar), and RONXM (Romanian Leu), with official launch planned for June 2026.

Key Strengths

xMoney's competitive advantages include its dual regulated infrastructure—combining a licensed EMI for card/fiat services with licensed VASPs (Cifralfabeto Unipessoal Lda in Portugal and Modernityparty OÜ in Estonia) for crypto services. The platform is a principal member of both Visa and Mastercard networks. Its AI-powered fraud prevention, enterprise-grade PCI DSS Level 1 security, and SCA/3DS 2.0 compliance provide businesses with a trustworthy, regulated environment. The platform is particularly well-suited for businesses serving the Web3 economy that also need traditional payment acceptance.

Notable Clients/Projects

Over 20,000+ businesses use xMoney solutions, including Audi, Alternative Airlines, Autoworld.ro, fast.private.jet, Watches World, and the City of Lugano. In 2025, xMoney secured $21.5M in strategic funding led by the Sui Foundation to build its next-generation stablecoin and payment infrastructure.

Why Choose xMoney

xMoney is uniquely positioned as the bridge between Web3 and traditional commerce—a single platform where businesses can accept crypto and fiat payments, issue branded cards, manage subscriptions, and prepare for the stablecoin economy, all under a fully regulated, European-licensed framework. Its upcoming stablecoin suite (EURXM, USDXM, RONXM) further cements its role as infrastructure for the future of regulated digital money in Europe.