xMoney
XMNThe full report. Score, pillars, arithmetic, risk, scenario, signal and notes.
Research, not financial advice. Read the terms.
About xMoney
Analysis of 21 Jul 2026xMoney is a payments company connecting card, fiat, and cryptocurrency settlement for merchants, with XMN as the incentive token for fee discounts, rewards, staking, and selected network governance. The project's April 22, 2026 whitepaper identifies xMoney Labs AG as a Liechtenstein public limited company and names Grigorios Siourounis and Iosif Andrei Adam among its directors. xMoney also reported a $21.5 million strategic funding round led by Sui Foundation with MultiversX backing on September 30, 2025.
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Investors can therefore verify the issuer, management body, legal jurisdiction, and stated funding source in primary disclosures. XMN launched on Sui and later expanded to MultiversX.
The whitepaper sets a 10 billion maximum supply and describes utility through merchant settlement-fee discounts, loyalty rewards, early feature access, and governance on selected network matters. The product utility is partly live: xMoney announced Merchant Rewards on April 30, 2026 and said on May 26 that merchants could reduce settlement fees by staking XMN.
The public GitHub organization listed 24 repositories on July 21; xmoney-examples was updated on June 29, 2026 and the WooCommerce integration on April 14, 2026. The visible repositories primarily cover payment integrations and examples rather than the token contracts themselves.
The market profile is much weaker than the business story. CoinGecko's July 21, 2026 snapshot placed XMN near $0.001201, with a $2.2 million market cap, about $549,000 of daily volume, and roughly 1.832 billion tokens circulating.
That is only 18.3% of maximum supply. XMN was about 98.8% below its October 23, 2025 all-time high of $0.103987, while its 30-day return was approximately negative 44.8%.
The current valuation can produce large percentage moves, but dilution, limited depth, and an unproven link between payment activity and token demand make those moves difficult to underwrite.