USDXM
The US Dollar. Upgraded.
1:1 Fiat Backed • MiCA-Compliant • Built for Speed
USDXM is a US Dollar-backed digital currency, a modern form of cash engineered for speed, security, and global reach.
Built for individuals, institutions, and the open internet.
The Trust Core
USDXM is a US Dollar-backed stablecoin for institutional payments, treasury, and programmable finance.
Fully Backed
Every USDXM is backed 1:1 in accordance to the MiCA requirements.
MiCA Compliant
Fully regulated under the Markets in Crypto Assets Regulation.
Issued by a Regulated Institution
USDXM ensures strict oversight and segregated client funds.
Transparent
Audited reserves, clear governance, enterprise grade transparency.
US Dollar-Backed Stability. Global Reach.
A digital US Dollar built for real-world utility.
Settle payments globally.
Move money across borders in seconds. Lower FX costs, skip intermediaries, and settle directly in Digital Dollars.
Exchange with low friction.
Instant, compliant, and cost-efficient swaps powered by a fully backed Dollars stablecoin — built for real liquidity, not speculation.
Integrate programmable money.
Automate payouts, trigger real-time settlements, and build smarter financial flows using a stable, MiCA-compliant digital Dollar.
Safeguard corporate treasury.
Hold Dollar value in a compliant, fully reserved digital asset designed for security, transparency, and instant accessibility.
Regulated issuance. Institutional controls. Audited reserves.
Dynamic supply
USDXM has no maximum supply, it will be determined by market conditions and demand.
Minimum investment
Minimum investment of $100,000 required for direct USDXM purchase via the xMoney platform.
USD-Transactions
xMoney Foundry accepts USDXM purchases only from USD bank accounts in the account holder's name within the SEPA region.
Third-Party Audits
USD reserves are audited regularly by licensed third parties, ensuring full transparency.
xMoney is a licensed EMI regulated by the National Bank of Romania under Romanian law.
One Stablecoin.
Limitless Utility.
Universal settlement for institutions, merchants, and developers.
Dive into the USDXM White Paper
A deeper look at technology, reserves, compliance, and the USDXM economic model.
xMoney Stablecoins Roadmap
See what’s coming next as we expand integrations, custody options, and cross-chain capabilities.
Frequently Asked Questions
What is USDXM?
USDXM is an electronic-money token (EMT) issued by xMoney, designed to maintain a stable value pegged 1:1 to the US Dollar. It operates within the European Economic Area (EEA) and is built in compliance with applicable regulatory frameworks.
USDXM is designed to comply with evolving EU regulations, particularly Title IV of Regulation (EU) 2023/1114 (MiCA). xMoney is committed to adhering to all applicable regulatory requirements.
How does xMoney guarantee that USDXM is fully backed and redeemable 1:1 for USD?
For every unit of USDXM issued, an equivalent amount in USD is maintained in reserve by xMoney to ensure a 1:1 parity, thereby safeguarding its value and preserving its stability. We are committed to providing regular attestations of our reserve holdings, conducted by independent third parties, which will be publicly available, allowing you to verify the backing of your USDXM holdings. Audits will be conducted annually to provide further assurance of the integrity of our reserve management.
How can I acquire USDXM?
USDXM is an electronic-money (e-money) token issued exclusively by xMoney on the Integrated Blockchains and is accessible through the xMoney Foundry platform for institutional and business investors.
For retail customers, USDXM is also listed and available to the public with cryptocurrency service providers platforms. A list including all current cryptocurrency platforms offering USDXM to the public, as well as any future partnerships for trading USDXM, will be publicly disclosed on the official xMoney website.
What is the minimum investment for acquiring USDXM directly through xMoney?
xMoney has established a minimum investment requirement of $100,000 for the purchase of USDXM through the xMoney Foundry platform.
How can I redeem USDXM?
The holders of USDXM token have a right of redemption at any time and at par value. For retail customers redemption, which do not have an account created on xMoney platform, USDXM is listed on multiple cryptocurrency service providers platforms, where the repayment can be requested. Also, retail customers can redeem the USDXM token directly from xMoney according to the Redemption Policy. The detailed description of the conditions of the redemption mechanism can be found in our Redemption Policy: https://xmoney.com/legal.
The institutional/business holders of USDXM token which are residents of EEA are entitled to exercise their right of redemption if they have successfully registered with xMoney by creating an account on its platform. For this category of holders of USDXM token, the redemption is available directly through xMoney via the communication channel agreed between the parties, in maximum 7 days from the request, given that all necessary information was provided by the holders in order for xMoney to respect the regulatory impositions when a redemption request is received.
Which blockchains is USDXM available on?
USDXM is an electronic-money token (EMT) issued on Distributed Ledger Technology (DLT), utilizing SUI, MultiversX and Ethereum blockchains (Integrated Blockchains). This multi-chain approach ensures broad interoperability, enabling businesses and liquidity providers to benefit from high-speed, low-cost transactions. xMoney will likely add additional blockchains platforms in the future.
What measures does xMoney take to ensure the security of USDXM?
xMoney ensures the security of USDXM by maintaining sufficient reserves to support redemptions and employing robust protocols on the Integrated Blockchains (Sui, MultiversX and Ethereum). However, xMoney does not guarantee protection against potential issues or attacks affecting these blockchains.
Three Currencies. One Standard.
Engineered for the future of regulated finance.
