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xMoney Trusted by startups and global enterprises alike
xMoney
Company Overview.
Description.
xMoney powers global payments through a unified financial ecosystem combining fiat card processing with crypto and stablecoin rails. Founded in 2023 under the xMoney brand (with legal entity Capital Financial Services S.A. operating since 2013), the company is a licensed Electronic Money Institution regulated by the National Bank of Romania, PCI DSS Level 1 certified, and a Principal Member of both Visa and Mastercard. It serves over 5,000 businesses worldwide including Audi, the Government of Liechtenstein, Citta di Lugano, Domino's, and Upland. The platform has processed hundreds of millions in transaction volume and counts 20,000+ registered businesses.
Key Infrastructure.
Provides a hosted checkout page, embedded payment UI components, and crypto payment acceptance for BTC, ETH, EGLD, SOL, SUI, USDC and regional methods, all within a single PCI DSS Level 1 compliant system.
Supports mobile wallet provisioning to Apple Pay and Google Pay, customizable spending features, and streamlined expense management.
Backed by Principal membership in both Visa and Mastercard networks for direct card issuance without intermediaries.
Reduces churn by automatically recovering missed payments without manual follow-up, with tokenized card storage ensuring full PCI DSS compliance.
Designed for platforms needing to manage complex multi-party payment flows across diverse seller ecosystems.
Provides regulated stablecoin infrastructure enabling merchants and institutions to settle payments, process cross-border transfers, and bridge between crypto and fiat within a licensed EMI framework compliant with EU regulatory standards.
Includes robust documentation, crypto status monitoring, and a self-service merchant dashboard supporting rapid integration for fintech and SaaS platforms building on xMoney's regulated infrastructure.
Additional Features.
General Questions.
xMoney provides a unified B2B payment infrastructure platform. It enables businesses to accept card and crypto payments, manage recurring billing, split marketplace payouts, issue branded Visa/Mastercard cards, generate invoices, and handle stablecoin transactions — all through one API or dashboard. The company is a licensed Electronic Money Institution, Principal Member of Visa and Mastercard, and PCI DSS Level 1 certified.
xMoney serves 5,000+ businesses ranging from startups to global enterprises. Notable clients include Audi, the Government of Liechtenstein, Citta di Lugano, Domino's, Alternative Airlines, Velocita, Autoworld, Watches World, and Upland. Market segments include luxury brands, aviation, automotive, e-commerce, marketplaces, and institutional partners.
Yes. xMoney operates through three regulated entities: Capital Financial Services S.A. (Electronic Money Institution licensed by the National Bank of Romania, license IEME-RO-0001), Cifralfabeto Unipessoal Lda (VASP registered with the Bank of Portugal), and Modernityparty OU (VASP licensed by the Estonian FIU, license FVT000333). The platform is MiCA-compliant and operates under EU AML/CFT regulations.
xMoney's token (XMN) and stablecoins (EURXM, USDXM, RONXM) are deployed on Sui and MultiversX blockchains. Crypto payment acceptance supports Bitcoin (BTC), Ethereum (ETH), EGLD, Solana (SOL), SUI, USDC, and various regional payment methods. Card payments run through traditional Visa and Mastercard rails.
