xMoney (XMN) is a MiCA-compliant next-generation payments ecosystem designed to bridge traditional finance and blockchain. It enables businesses to seamlessly accept global payments, from cards and cryptocurrencies to Apple Pay and Google Pay, with zero complexity, zero friction and zero regulatory hurdles. XMN is integrated into xMoney’s permissioned and regulated infrastructure as a core utility token powering a unified system supporting fiat/crypto payments, card issuance, stablecoin settlement, on/off ramping and white label services. Merchants enjoy lower transaction fees, membership programs, and lower settlement costs, while consumers can earn rewards and participate in governance. Unlike typical utility tokens, XMN is immediately ready for real-world use, embedded in xMoney’s regulated gateway to serve European businesses. It is built under the EU MiCA framework to ensure compliance, transparency and trust for exchanges, institutions and merchants around the world.