Introducing
XMN
xMoney powers global payments and helps businesses move faster, smarter, and more securely. $XMN is the token that fuels the entire ecosystem.
October 2025
XMN Token Launch
Sui
Network
10B
Max. Supply
A token that works for you
Stake. Vote. Earn. Every XMN you hold unlocks more ways to benefit. XMN is designed for builders, shoppers, and believers in a smarter financial system.
Staking
Stake XMN to earn rewards and unlock exclusive merchant perks within the xMoney ecosystem.
Governance
Staked XMN gives you a voice in shaping the platform’s future — vote on proposals that guide ecosystem growth and community initiatives.
*Governance excludes xMoney Labs AG’s core business decisions.
Loyalty Rewards
Turn XMN into everyday value. Earn loyalty points redeemable for purchases, discounts, and gamified rewards.
XMN Token Overview
Key details at a glance.
XMN is designed to align incentives across users, contributors, and stakeholders — ensuring long-term growth of the xMoney ecosystem and maintaining platform integrity.
XMN does not represent an investment, financial instrument, or promise of profit.
Token Symbol
XMN
Max Supply
10,000,000,000
Initial Circulating Supply
~650,000,000
Sui Contract Address ($XMN) SuiVision
0x97c7571f4406cdd7a95f3027075ab80d3e9c937c2a567690d31e14ab1872ccee
Token Distribution
The XMN token is designed with purpose-built allocations to grow utility, align incentives, and capture value across payments, merchant adoption, and community participation.
Community / Loyalty / Rewards / Merchant Incentives
To drive adoption: rewards to users (cashback, loyalty), incentives to merchants, marketing & community campaigns, developer grants / hackathons. Ensures that utility and usage are growing.
30%
Vesting over 7 years, starting at launch. Unlock schedule: 5% at T+6 months, then linear 6 months unlocks over remaining 6.5 years.
Treasury / Reserve for Product / Growth / Partnerships
Reserve to fund future expansion: product development, international expansion, regulatory costs, compliance, partnerships (e.g. with payment processors, card networks), technological infrastructure.
20%
Vesting over 10 years, starting at launch. Unlock schedule: quarterly over 10 years.
Business Operations
For business operations and key hires. To attract talent globally, ensure long-term alignment.
15%
Cliff of 12 months, then linear vesting over 36 months post cliff (so total vesting = 48 months).
Investors / Early Backers / Private Rounds
Allocations reserved for strategic ecosystem partners who contribute resources, technology, or market access critical to xMoney’s adoption. These allocations are not intended as investment products, but as a way to align long-term participation in the network.
10%
Cliff of 12 months, then linear vesting over 36 months post cliff (so total vesting = 48 months).
Staking & Governance Incentives
Incentive to stakers (not profit-sharing mechanisms) to strengthen network security, promote active governance, and recognize long-term ecosystem contributors, boosted governance weights, OG / early supporters; this bucket rewards locking and governance participation.
10%
Vesting over 10 years, starting at launch. Unlock schedule proportional to staking amounts and corresponding APR, linearly decreasing on a yearly basis.
Legal / Compliance / Audits
To ensure compliance, legal expenses, advisory work, audit costs, regulatory costs, etc.
5%
Vested over 36 months, contingency unlocks based on strategic market necessity, so legal / security / compliance needs can be served swiftly and without interruptions.
Ecosystem Integrations / Cross-Chain / New Network Expansion
To support further accelerated expansion, bridging costs, node / protocol integrations, incentives for partners in different ecosystems.
5%
Vesting over 3–5 years; cliff of 6 months, with linear unlocks every 6 months to align partner contributions; usage/tie-in with expansion progress.
Liquidity / Market Operations / Exchange Listing / Liquidity Pool
For providing liquidity on exchanges, market making, listing support, smoothing initial trading, etc.
5%
Unlock schedule: 40% at launch, with subsequent linear quarterly unlocks over 2 years.
Emissions Schedule
XMN tokens follow long-term vesting schedules, with community rewards unlocking over 7 years, staking incentives over 10 years, and team and investor allocations vesting across 4 years, ensuring stability, alignment, and sustainable growth.
Community / Loyalty / Rewards / Merchant Incentives
Staking & Governance Incentives
Treasury / Reserve for Product / Growth / Partnerships
Legal / Compliance / Audits
Business Operations
Ecosystem Integrations / Cross-Chain / New Network Expansion
Investors / Early Backers / Private Rounds
Liquidity / Market Operations / Exchange Listing / Liquidity Pool
*Illustrative emissions schedule. Actual unlocks subject to vesting conditions and governance decisions as described in the whitepaper.
Where to get XMN
XMN is admitted to trading on selected exchanges. A non-exhaustive list can be found below.
Upgrade. Stake. Earn
You can upgrade UTK into XMN on Sui (liquid or LXMN) or into an XMN Vault on MultiversX.
Both earn rewards — the choice is yours.
*Variable, non-guaranteed, protocol-dependent.
Frequently Asked Questions
Learn about XMN
What is XMN?
xMoney powers global payments through, helping businesses move faster, smarter, and more securely. $XMN is the token that fuels the entire ecosystem.
Where is XMN deployed?
XMN will be live on the Sui blockchain, with staking contracts and liquidity integrations expanding across the ecosystem.
How can I get XMN?
You will be able to buy XMN directly via the xPortal mobile app (fiat and crypto on-ramp via Liquidity SDK), or through supported exchanges as they list it.
How does staking work?
You can stake your XMN tokens to earn a standard ~8% APR. You can also compound rewards and unstake with a standard unbonding period.
Will my UTK automatically upgrade to XMN, or do I need to manually convert?
UTK won't be automatically upgraded to XMN. You can do so via the UpgradeUTK Portal here.
What can I do with XMN?
XMN is the core token of xMoney, giving holders fee reductions, staking rewards, and loyalty benefits across payments and invoicing. It also unlocks cashback, exclusive campaigns, and governance rights through staking, letting the community help shape the ecosystem. In short, XMN lowers costs, boosts rewards, and gives you a voice in xMoney’s future.
How is XMN different from UTK?
UTK powered xMoney’s early phase, but XMN is built for global scale and compliance. Issued under EU MiCA regulation, XMN enables broader adoption by merchants, institutions, and exchanges. It has a fixed 10B supply, expanded utilities across payments, invoicing, and governance, and exclusive migration benefits for UTK holders. UTK was the start; XMN is the future.
Why should I trust XMN token?
XMN token is a MiCA-compliant digital asset, issued in full alignment with the European regulatory framework. It has respected all issuance obligations and procedures defined under MiCA, ensuring transparency, investor protection, and legal certainty. Built for trust and long-term adoption, XMN provides both institutional and retail users with confidence in its safety and regulatory integrity. Please note that XMN is not regulated or supervised by the National Bank of Romania, but is fully compliant under the applicable EU framework.