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xMoney
Hybrid crypto and card payment gateway licensed under EU electronic money regulations
3.8/ 5
Our score
Good
Settlement
CryptoStablecoinsFiatAuto-conversion
Settle in stablecoins
Yes
Self-hosted option
No
Business verification (KYB)
Yes
What is xMoney?
xMoney is a hybrid payment gateway that enables online businesses to accept both digital currencies and traditional card payments through a single merchant interface. Formed by merging crypto checkout provider Utrust and card processor Twispay under the MultiversX ecosystem, the platform combines blockchain settlement with licensed fiat payment rails.
Corporate structure and funding
The platform is backed by MultiversX and operates out of Bucharest, Romania, under CEO Greg Siourounis. Regulated card processing and electronic money services are handled by Capital Financial Services S.A., an entity licensed by the National Bank of Romania. In January 2025, xMoney secured $21.5M in strategic funding led by the Sui Foundation with participation from MultiversX.
Payment flows and integration
Merchants can collect payments through pre-built checkout widgets, customizable APIs, direct payment links, or invoicing tools. The system processes cards like Visa and Mastercard alongside digital currencies including Bitcoin, Ethereum, MultiversX (EGLD), Solana, and Sui. Settlement is executed in fiat currencies such as EUR, USD, and RON, or in stablecoins including EURXM and USDXM. The platform also offers marketplace splitting logic, recurring billing workflows, and physical or virtual card issuance with Apple Pay and Google Pay integration.
Fees and compliance
Setup is free of border surcharges, and merchants who hold or stake the native XMN token can lower settlement costs by up to 10% through rolling volume tier discounts. Merchants requesting off-cycle euro payouts on the first of the month below set thresholds incur an additional payout fee. Full business onboarding requires Know Your Customer (KYC) and Know Your Business (KYB) verification managed under Romanian AML regulations.
Regulatory status and security considerations
Capital Financial Services S.A. has maintained an Electronic Money Institution license in Romania since April 2013, and xMoney operates as a registered Virtual Asset Service Provider adhering to PCI DSS Level 1 standards. Because xMoney serves as a hosted intermediary rather than a self-hosted software node, merchants face counterparty exposure while balances are held prior to bank transfer. The platform's smart contract infrastructure on networks like Sui also carries execution risk, and cryptocurrency price volatility applies when payments are not immediately converted at the point of sale.
Best for:European e-commerce merchantsMarketplaces requiring split vendor payoutsBusinesses invoicing global clients in cryptoMerchants seeking unified card and crypto acquiring
Pros and cons
Pros
- Licensed as an Electronic Money Institution by the National Bank of Romania
- Unified dashboard for both card processing and digital currency checkouts
- PCI DSS Level 1 certified with 3D Secure 2.0 fraud controls
- Zero setup fees with automatic settlement conversion into fiat or stablecoins
- Staking XMN provides up to 10% in settlement fee discounts
Cons
- Merchant onboarding requires mandatory KYB and AML business verification
- Not a self-hosted solution, creating custodial counterparty risk before settlement
- Additional fees apply to off-cycle payouts below minimum account thresholds
- XMN fee discount model introduces exposure to token market volatility
Our review
3.8/5
Good
xMoney combines regulated European fiat acquiring with multi-asset crypto checkout, but accessing its deepest settlement fee discounts requires exposure to its native XMN token.
xMoney is a hybrid payment gateway that merges traditional card acquiring with digital currency checkout under the MultiversX ecosystem. Formed through the union of crypto processor Utrust and card acquirer Twispay, the platform operates under an Electronic Money Institution license from the National Bank of Romania held by Capital Financial Services S.A. It lets merchants accept payments across card rails (Visa and Mastercard), mobile wallets (Apple Pay and Google Pay), and cryptocurrencies including BTC, ETH, EGLD, SOL, and SUI, with settlement available in fiat currencies like EUR, USD, and RON or native stablecoins.
The platform holds PCI DSS Level 1 certification, operates as a registered Virtual Asset Service Provider, and launched fiat-backed stablecoins (EURXM, USDXM, and RONXM) designed around European MiCA rules. In January 2025, the company secured $21.5 million in strategic funding led by the Sui Foundation alongside MultiversX.
The trade-offs center on custody and fee transparency. xMoney is a fully hosted, custodial solution that requires mandatory Know Your Business (KYB) verification, ruling out organizations seeking self-hosted or permissionless crypto payment infrastructure. Setup is free, and the platform links its advertised settlement savings, up to 10%, to a Merchant Discounts tier system tied to rolling volume and XMN token staking. Staking contracts on external chains like Sui also carry underlying smart contract exposure .
xMoney suits European enterprises, marketplaces, and subscription merchants that need unified fiat card acquiring and crypto invoicing from a single licensed entity. Businesses that want non-custodial crypto checkout without regulatory onboarding should choose a self-hosted alternative.
Specs
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion · unverified |
|---|---|
| Invoicing | Yes · unverified |
| Recurring payments | Yes · unverified |
| Mass payouts | Yes · unverified |
| Self-hosted option | No |
| Business verification (KYB) | Yes · unverified |
| Settle in stablecoins | Yes · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Processing fee, Coins supported, Integrations, Point of sale, Merchant countries.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Multicurrency checkout
Accepts BTC, ETH, EGLD, SOL, and SUI alongside Visa, Mastercard, Apple Pay, and Google Pay.
Payment links and invoicing
Generates shareable links for social channels or formatted invoices with settlement in fiat or digital currencies.
Fiat and stablecoin settlement
Converts payments automatically into EUR, USD, RON, or regulated fiat-backed stablecoins such as EURXM.
Subscription and recurring billing
Provides automated recurring payment schedules, smart retry algorithms, and automated customer reminders.
Marketplace payment routing
Splits individual incoming transactions between multiple vendors and handles automated payouts.
Corporate card issuance
Issues branded physical and virtual cards provisioned for Apple Pay and Google Pay directly from merchant balances.
Inside xMoney
Payments
Accepts global payments across credit cards, mobile wallets, and digital currencies like BTC, ETH, and EGLD through pre-built checkouts or embeddable UI elements.
Recurring Billing
Manages subscriptions and predictable billing workflows using APIs, automated payment retries, and branded reminders to recover failed charges.
Payment Links
Generates shareable payment links that let merchants collect funds via SMS, email, or chat channels without maintaining an online storefront.
Invoices
Issues digital invoices via dashboard or API that allow clients to pay using cryptocurrency while businesses settle in their selected currency.
Marketplaces
Handles vendor onboarding, automated KYB, split payments, and scheduled payouts for multi-seller commerce platforms.
Cards
Issues physical and virtual branded business cards compatible with Apple Pay and Google Pay for expense management and corporate spending.
xMoney screenshots
What users say about xMoney
User sentiment is limited to informational announcements detailing partnerships and feature rollouts, with no recurring user praise or complaints reported.
Based on 2 Reddit posts and comments from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used xMoney? Share your experience below.
Funding and investors
$21.5MTotal raised
1Round
2Investors
-
Strategic Jan 2025 $21.5MSource
FAQ
Who owns and runs xMoney?
xMoney is led by CEO Greg Siourounis and operates under MultiversX following the integration of Utrust and Twispay. Its regulated payment and card services are managed through Capital Financial Services S.A. in Bucharest, Romania.
What fees does xMoney charge?
xMoney charges no setup fees or hidden cross-border fees. Merchants can reduce settlement fees by up to 10% through a merchant discount tier based on volume and XMN token staking, though off-cycle EUR payout fees apply under certain thresholds.
Which cryptocurrencies can merchants accept with xMoney?
xMoney supports digital asset payments across networks including Bitcoin, Ethereum, MultiversX, Solana, and Sui. Merchants can accept tokens such as BTC, ETH, EGLD, SOL, and SUI alongside fiat card methods.
Is business verification (KYB) required to use xMoney?
Yes, merchants must complete KYB and AML onboarding. Regulated e-money services and card acquiring through Capital Financial Services require full compliance checks.
Does xMoney have its own token?
Yes, xMoney operates the XMN utility token. Merchants use XMN to participate in loyalty programs and unlock settlement fee discounts.
Can xMoney automatically convert crypto payments into fiat?
Yes, xMoney supports auto-conversion at checkout to eliminate volatility risks. Merchants can choose to settle received payments in fiat currencies like EUR, USD, and RON, or in MiCA-compliant stablecoins such as EURXM.
Latest from xMoney on X
What sits behind a payment provider you can trust?
Here's our credentials.
📅 Processing card payments since 2013
💳 Principal member of Visa and Mastercard
🔐 PCI DSS Level 1
🏛️ Licensed Electronic Money Institution, supervised by the National Bank of Romania
The boring parts of payments, done properly 🫡
Here's our credentials.
📅 Processing card payments since 2013
💳 Principal member of Visa and Mastercard
🔐 PCI DSS Level 1
🏛️ Licensed Electronic Money Institution, supervised by the National Bank of Romania
The boring parts of payments, done properly 🫡
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Cards, payment links, recurring billing, payouts - handled.
So your team stays focused on what you sell, not how you get paid.
https://t.co/6TPH52g23c https://t.co/71MTGiFscr
ICYMI: Refer merchants to xMoney's card payment platform and earn recurring commission, month after month.
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Recent public posts from @xMoney_com, shown as published. Not reviewed or endorsed by CryptoReview.
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