Stablecoins (EURXM, USDXM, RONXM)

xMoney is developing three MiCA-compliant, fully fiat-backed stablecoins for the European market, with an official launch planned for June 2026. Backed by $21.5M in strategic funding led by the Sui Foundation, these stablecoins represent xMoney's entry into regulated digital money infrastructure.

The Three Stablecoins

• EURXM: A MiCA-compliant euro-pegged stablecoin designed for seamless integration with xMoney's payment infrastructure and European commerce.
• USDXM: A fully USD-backed stablecoin for businesses requiring dollar-denominated digital settlement across borders.
• RONXM: The first regulated Romanian leu-pegged stablecoin, purpose-built for the domestic Romanian market and broader SEPA ecosystem.

Architecture & Compliance

All three stablecoins are built on an institutional-grade framework covering regulatory structure, collateralisation design, operational issuance and redemption flows, treasury and reporting systems, and a full compliance and audit strategy. Whitepapers have been published for all three tokens.

Why xMoney

xMoney operates as a licensed Electronic Money Institution (EMI) regulated by the National Bank of Romania and holds licensed VASP status in Portugal and Estonia. This regulated foundation underpins the stablecoin issuance model, ensuring MiCA compliance from day one. The stablecoins are designed to integrate directly with xMoney's existing payment rails, enabling businesses to settle transactions in digital euros, dollars, or Romanian leu through a single regulated infrastructure.