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What is xMoney (UTK)?

By CMC AI
11 September 2025 09:48PM (UTC+0)
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TLDR

xMoney (UTK) is a crypto payment platform enabling secure, low-cost transactions for merchants and users by bridging blockchain efficiency with traditional payment reliability.

  1. Payment solution – Combines crypto speed with fiat stability for global businesses.

  2. Token transition – UTK evolves into XMN, a MiCA-compliant token with expanded utility.

  3. Multi-chain strategy – Operates on Sui and MultiversX to maximize ecosystem reach.

Deep Dive

1. Purpose & Value Proposition

xMoney addresses crypto’s payment challenges—high fees, volatility, and refund limitations—by offering instant fiat conversions, buyer/seller protections, and a 1% transaction fee (CoinMarketCap). Merchants avoid crypto volatility via automatic fiat settlements, while users benefit from cashback and loyalty rewards.

2. Technology & Transition to XMN

Originally on MultiversX, xMoney expanded to Sui for zkLogin accessibility and high throughput. The new XMN token (10B fixed supply) replaces UTK, prioritizing EU MiCA compliance to attract institutional partners. UTK holders can migrate via two paths: a 3:1 swap (no lock) or 1:1 swap with a 6-month lock for boosted rewards (xMoney Blog).

3. Ecosystem Growth

xMoney’s merchant network grew from 12,000 to 32,000 in three months via Binance Pay integration (Foresight Ventures). Partnerships with Episode Six (card issuance) and BPC (payment infrastructure) aim to streamline global fiat-crypto settlements.

Conclusion

xMoney is transitioning into a regulated, multi-chain payment ecosystem, balancing crypto innovation with traditional finance trust. How will its compliance-first approach shape adoption in regions like the EU?

CMC AI can make mistakes. Not financial advice.
UTK
xMoneyUTK
|
$0.02792

3.41% (1d)

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