xMoney
xMoney is a MiCA- and PCI DSS-compliant European payment platform that lets merchants accept card, mobile wallet, and cryptocurrency payments, issue cards, and process split payouts, with licensed EMI and VASP entities across Romania, Portugal, and Estonia.
- Company typePrivate
- Founded2023
- HeadquartersBraga, Portugal
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What xMoney does
xMoney is a regulated European payment infrastructure provider that bridges traditional finance and Web3, offering merchants a unified platform to accept card payments, mobile wallets, and cryptocurrencies, plus card issuing, recurring billing, marketplace split payouts, invoicing, and payment links. The company operates across multiple licensed entities: Capital Financial Services S.A. (Romania, licensed EMI under the National Bank of Romania and principal Visa/Mastercard member), Cifralfabeto Unipessoal Lda (Portugal, VASP under the Bank of Portugal), and Modernityparty OÜ (Estonia, VASP license FVT000333), with headquarters in Liechtenstein and operational offices in Braga, Portugal and Bucharest, Romania. Its technology stack supports acceptance across Visa, Mastercard, Apple Pay, Google Pay, Click2Pay, Binance Pay, and Solana Pay, and settlement in multiple fiat and stablecoin rails including EURXM, USDXM, and RONXM.
The platform is built on a modular architecture comprising core payment products (Payments, Recurring Billing, Marketplaces, Issuing, Invoices, Payment Links), a self-service crypto off-ramp for businesses, an XMN loyalty rewards program with vesting mechanics, and an upcoming MiCA-compliant stablecoin suite. Distribution is API-first, with embeddable checkout widgets, official plugins on WooCommerce/PrestaShop/Shopify, and self-serve merchant dashboards, complemented by direct enterprise sales for accounts such as Domino's, Audi, fast.private.jet, Città di Lugano, and the Government of Liechtenstein. xMoney generates revenue from transaction/processing fees (cards, crypto, FX), subscription tiers (€24/month Premium, €50/month Vision AI), FX conversion spreads, and card issuing fees, with a claimed 20,000+ business base and 5,000+ active processing merchants.
Strategically, xMoney has repositioned from its earlier identity as Twispay into a multi-chain Web3 payment platform, anchored by a $21.5M strategic round from the Sui Foundation in October 2025, the launch of the native $XMN token on Sui, and the planned rollout of EURXM, USDXM, and RONXM stablecoins in mid-2026. The company also benefits from €5.09M in EU PRR/NextGenerationEU grant funding (2023-2025) for the 'Descentralizar Portugal com Blockchain' agenda, and is led by co-founder and CEO Greg Siourounis.
xMoney firmographics
Firmographics- Name
- xMoney
- Legal name
- Capital Financial Services S.A.
- Website
- https://xmoney.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- xMoney is a MiCA- and PCI DSS-compliant European payment platform that lets merchants accept card, mobile wallet, and cryptocurrency payments, issue cards, and process split payouts, with licensed EMI and VASP entities across Romania, Portugal, and Estonia.
- Ownership category
- akta.pro rank
xMoney industry classification
Industry- Product category
- Payment Processing Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Crypto Payment Gateways & Checkout APIs (FSADAIAA)
- akta.pro secondary industries
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Card Issuing Platforms (Issuer Processing) (FSAGABAD)
Keywords
Where xMoney is headquartered
LocationHeadquarters
- HQ city
- Braga
- HQ country
- Portugal
- HQ region
- Europe
Offices4 records
Markets served
xMoney business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction/Processing Fees: xMoney charges transaction fees on each payment processed through its gateway, automatically deducted from settlement amounts before disbursement to merchants. The platform supports card payments (Visa, Mastercard), crypto payments, and local payment methods.
- Subscription Fees: Merchants pay subscription fees for access to premium tiers such as the Premium plan at €24/month for up to 5 users and Vision AI at €50/month for unlimited users, providing subscription management, invoicing, and recurring billing tools.
- FX Conversion Fees: xMoney applies foreign exchange fees when merchants process payments in one currency but opt for settlement in a different currency. The platform also applies exchange rate spreads on crypto-to-fiat conversions.
- Card Issuing Fees: Revenue from issuing physical and virtual branded cards to merchants, including per-transaction fees on card payments processed through the xMoney card infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Premium Plan – €24/month for up to 5 users |
| Subscription | Monthly | Vision AI – €50/month with unlimited users |
| Transaction based/ take rate | Pay-as-you-go | Transaction-based fees (card and crypto) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
xMoney product offering
Product offeringCore offering
xMoney provides a unified payment infrastructure platform that enables merchants to accept global fiat card payments (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay), and cryptocurrency payments (BTC, ETH, SOL, SUI, EGLD, and stablecoins) through a single API and embeddable checkout widgets. The platform also offers card issuing (physical and virtual), recurring billing, marketplace split payments, invoicing, payment links, a crypto-to-fiat off-ramp tool, and an MiCA-compliant stablecoin suite (EURXM, USDXM, RONXM) supported by PCI DSS Level 1 certification, AI-powered fraud detection, and SCA/3D Secure 2.0.
Product overview
xMoney is a unified financial ecosystem platform that bridges Web3 and traditional finance, offering a comprehensive suite of payment products and services. The platform operates on a modular architecture consisting of core payment products (Payments, Recurring Billing, Marketplaces, Issuing, Invoices, Payment Links) augmented by stablecoins (EURXM, USDXM, RONXM) and the XMN utility token. The ecosystem includes separate but integrated services: xMoney Fiat Pay (fiat payment processing, formerly Twispay) and xMoney Crypto (cryptocurrency payment processing). Key differentiators include multi-currency support, multi-method acceptance (cards, wallets, crypto), AI-powered fraud prevention, and compliance with MiCA, PCI DSS, and Travel Rule regulations. The platform provides both hosted checkout solutions and embeddable payment UIs for merchants of all sizes.
Differentiator
Problem solved
Functional benefit
Brands
- EURXM: The digital Euro stablecoin, 1:1 fiat-backed and MiCA compliant, launching on Sui Network before expanding to MultiversX and Ethereum.
- USDXM
- RONXM
- xPortal
- xCard
Products and services
- Global Payments Accept and optimize global payments in multiple currencies with multiple payment methods including cards (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay, Click2Pay), digital currencies, and local methods from one streamlined system. For merchants of all sizes globally.
- Recurring Billing Subscription management solution enabling businesses to build and scale predictable recurring revenue with flexible APIs, automated billing workflows, smart retries for failed payments, and branded payment reminders.
- Marketplaces Complete payment solution for marketplaces, simplifying payment processing and optimizing financial operations with automated KYC/KYB onboarding, split payments to multiple vendors, automated seller payouts, and transaction reconciliation.
- Issuing (Cards) Card issuance platform enabling businesses to issue physical and virtual customized cards with branded designs, mobile wallet provisioning for Apple Pay and Google Pay, and greater control over finances and business spending.
- Invoices Invoice generation and management tool allowing businesses to create invoices in minutes via dashboard or API, track payments easily, with clients able to pay in their favorite digital currency.
- Payment Links Shareable payment links enabling businesses to receive payments in their currency of choice via SMS, email, chat, or social media without requiring a website. Easy configuration directly from the dashboard.
- EURXM Stablecoin The digital Euro stablecoin, 1:1 fiat-backed and MiCA compliant, redeemable at par value. Part of xMoney's stablecoin suite integrated into its payment gateway and card infrastructure, launching on Sui Network.
- USDXM Stablecoin The digital US Dollar stablecoin, 1:1 fiat-backed and MiCA compliant, redeemable at par value. Part of xMoney's stablecoin suite integrated into its payment gateway and card infrastructure, launching on Sui Network.
- RONXM Stablecoin The digital Romanian Leu stablecoin, 1:1 fiat-backed and MiCA compliant, redeemable at par value. Part of xMoney's stablecoin suite designed for regional payments efficiency.
- XMN Token Native utility token of xMoney ecosystem launched on Sui blockchain. Powers the XMN Loyalty Rewards Program where eligible merchants accrue XMN tokens based on processed transaction volume, with lock-up periods before vesting and withdrawal options including on-chain transfer, fiat conversion, or fee offsets.
- xMoney Fiat Pay (formerly Twispay) Fiat payment gateway service (formerly Twispay) providing a secure, PCI DSS Level 1 compliant platform for processing card payments in any currency from customers globally, with debit and credit card support and fraud monitoring.
- xMoney Crypto Cryptocurrency payment processing service enabling merchants to accept crypto payments with automatic conversion to fiat. Supports multiple blockchain networks including BTC, ETH, EGLD, SOL, SUI, and stablecoins like USDC.
Quantifiable outcome
- Trusted by 20,000+ businesses globally
- +3 more outcomes
Companies that use xMoney
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles4 records
xMoney technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
AI capability2 records
Feature6 records
xMoney partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- Domino's PizzaflagshipDomino's Pizza partnered with xMoney to enable fiat and cryptocurrency payments at its Cyprus location, utilizing xMoney's embedded checkout technology. The partnership was subsequently expanded to Greece in February 2026, with plans to expand further across Europe, incorporating USDC payments on the Sui blockchain.
- VisacorexMoney is a principal member of Visa, enabling it to issue cards and process Visa payment transactions through its payment infrastructure. This membership is a foundational component of its card issuing and payment processing services.
- MastercardcorexMoney is a principal member of Mastercard, enabling card issuing and Mastercard payment transaction processing. Mastercard also referenced xMoney in the context of its European checkout transformation efforts toward 100% e-commerce tokenisation, with xMoney's Mastercard Passkey integration for tokenized payments mentioned in SUI ecosystem coverage.
- MultiversXcorexMoney is powered by the MultiversX blockchain, using it as a core infrastructure layer for its Web3 payment solutions. The xMoney ecosystem includes integration with MultiversX's wallet, bridge, and exchange infrastructure. xMoney previously operated under the UTrust (UTK) token brand on MultiversX before transitioning to its own XMN token.
- Bank of PortugalcorexMoney's crypto services subsidiary Cifralfabeto Unipessoal Lda is authorized as a Virtual Assets Service Provider under the Bank of Portugal, providing regulatory authorization for xMoney's crypto operations in Portugal.
Scale indicators7 records
Recent moves8 records
Expansion highlights6 records
xMoney competitors and assessment
Company assessmentDirect peers
- Coinbase Commerce: Coinbase's merchant-facing crypto payment gateway that lets businesses accept crypto and convert to fiat. Closely comparable to xMoney's crypto checkout and off-ramp functionality, though without xMoney's licensed EMI and European stablecoin focus.
- BitPay: Established crypto payment processor offering merchant checkout, invoicing, and fiat settlement across multiple chains. Directly comparable to xMoney's core payments and off-ramp value proposition for global merchants.
- NOWPayments: Crypto payment gateway supporting 200+ cryptocurrencies with mass payouts, POS, and donations. Closely comparable to xMoney's broad chain coverage, plugin ecosystem, and merchant dashboard.
- Alchemy Pay: Hybrid fiat-crypto payment network with on/off-ramps, card issuing, and Visa/Mastercard acceptance. Directly comparable to xMoney's dual-rail strategy combining fiat processing with crypto on-ramps and card issuing.
- Circle: Issuer of USDC and EURC stablecoins and operator of payment and treasury APIs for businesses. Closely comparable to xMoney's stablecoin issuance (EURXM/USDXM/RONXM) and merchant payment rails, though at materially larger scale.
- Wirex: Crypto-friendly card issuer and payments app with Visa principal membership and multi-currency accounts. Comparable to xMoney's card issuing program and crypto-to-fiat spending proposition for merchants and consumers.
- Paxos: Regulated blockchain infrastructure platform issuing stablecoins (USDP, PayPal USD) and providing crypto brokerage and settlement APIs. Comparable to xMoney's regulated stablecoin issuance and merchant settlement stack.
Broad incumbents
- Adyen: Global payments platform offering unified card, local, and increasingly crypto-related processing for enterprises. Comparable as a broad incumbent whose omnichannel processing competes with xMoney's enterprise-tier fiat offering.
- Stripe: Global payments infrastructure used by millions of businesses for cards, subscriptions, and Connect (marketplaces). Comparable on the fiat side, especially recurring billing and marketplaces, where Stripe is the default incumbent xMoney must displace.
Emerging players
- BVNK: Stablecoin and fiat payment infrastructure provider for businesses, with strong European licensing. Comparable as an emerging player combining regulated payments with stablecoin settlement, competing for the same European merchant segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
xMoney social profiles
Digital presencexMoney compliance and trust
Trust signalCompliance6 records
xMoney financial estimates
Financial estimateRevenue estimate
Valuation estimate
xMoney leadership team
Management profileNumber of profiles
Profiles1 record
xMoney funding detail
Funding detailFunding overview
Funding rounds5 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
xMoney M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about xMoney
What does xMoney do?
xMoney provides a unified payment infrastructure platform that enables merchants to accept global fiat card payments (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay), and cryptocurrency payments (BTC, ETH, SOL, SUI, EGLD, and stablecoins) through a single API and embeddable checkout widgets. The platform also offers card issuing (physical and virtual), recurring billing, marketplace split payments, invoicing, payment links, a crypto-to-fiat off-ramp tool, and an MiCA-compliant stablecoin suite (EURXM, USDXM, RONXM) supported by PCI DSS Level 1 certification, AI-powered fraud detection, and SCA/3D Secure 2.0.
Is xMoney a public or private company?
xMoney is a private company. It is classified as venture growth investor backed and is currently operating.
When was xMoney founded?
xMoney was founded in 2023. It employs 11 to 50 people.
Where is xMoney based?
xMoney is headquartered in Braga, Portugal, in the Europe region.
How does xMoney make money?
Four revenue lines are on record. Transaction/Processing Fees are the primary driver. The others are subscription Fees, FX Conversion Fees and card Issuing Fees.
Who are xMoney's main competitors?
Direct peers on record are Coinbase Commerce, BitPay, NOWPayments, Alchemy Pay, Circle, Wirex and Paxos. Broad incumbents are Adyen and Stripe. BVNK is listed as an emerging player.
Does xMoney have an API?
Yes. xMoney offers Card API and Crypto API for developers to integrate payment processing and digital currency payments into applications. The Card API enables payment processing integration, while the Crypto API allows adding cryptocurrency payment capabilities. Both are available through the developer documentation portal. Developer documentation is at docs.xmoney.com.
What industry is xMoney in?
xMoney's product category is Payment Processing Infrastructure. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks. Its NAICS code is 522320 and its SIC code is 6200.