HOLD

What HOLD does

xMoney is a European-licensed fintech platform operated by HOLD, providing unified fiat and cryptocurrency payment infrastructure to businesses across startups, e-commerce, marketplaces, and global enterprises. Its core product portfolio spans global payments (cards, mobile wallets, crypto, local methods), recurring billing, marketplace split payments with KYC/KYB onboarding, branded card issuing with Apple Pay and Google Pay provisioning, invoicing, and payment links, complemented by three proprietary stablecoins (EURXM, USDXM, RONXM) and the XMN utility token. The underlying technology is delivered through Card API and Crypto API developer interfaces, an AI-powered fraud prevention layer on structured transaction data, and a marketplace split-payment engine with configurable rules.

The business is structured across three wholly-owned regulated entities — Capital Financial Services S.A. (Romania, licensed Electronic Money Institution), Cifralfabeto Unipessoal Lda (Portugal, registered VASP), and Modernityparty OÜ (Estonia, licensed VASP) — and holds PCI DSS Level 1 certification and MiCA compliance, with principal membership in both Visa and Mastercard. xMoney distributes through a hybrid motion: a self-serve web flow for SMBs and startups, an API/embedded white-label channel for developers and platforms, a direct sales team for enterprise accounts, and a partners program for resellers. Pricing is predominantly quote-based on transaction processing, with limited published subscription tiers (e.g., €24/month Premium, €50/month Vision AI), and the customer base is described at 5,000+ to 20,000+ businesses, anchored by logos such as Audi, fast.private.jet, AK Private Jets, the Government Principality of Liechtenstein, and Città di Lugano.

Name

HOLD

Legal name

xMoney (operating brand of Capital Financial Services S.A.)

Website

https://hold.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

xMoney, operated by HOLD, is a European-licensed fintech platform providing unified fiat and crypto payment processing, card issuing, marketplace splits, and stablecoin infrastructure to SMBs, startups, e-commerce merchants, and enterprises across the EU.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Crypto Payment Gateways & Checkout APIs (FSADAIAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment processing services
• Cryptocurrency payments
• Card issuing platform
• Subscription billing software
• Marketplace payment solutions

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Payment Processing Fees: Transaction fees charged on payment processing for card payments, crypto payments, and digital currency transactions across the platform.
2. Recurring Billing/Subscription Services: Subscription management solutions for predictable recurring revenue with flexible plans and billing intervals.
3. Card Issuing: Revenue from issuing physical and virtual branded cards for business use cases.
4. API Access and Integration: API access for Card API and Crypto API integration services.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

HOLD (operating as xMoney) provides a unified financial ecosystem platform for businesses to accept global payments across fiat and digital currencies, issue branded physical and virtual cards, manage recurring billing and subscriptions, run marketplace split-payment flows, and generate invoices and payment links. The offering is delivered through hosted checkout pages, customizable embedded payment UIs, and developer APIs (Card API and Crypto API), with regulatory coverage through licensed Electronic Money Institution and VASP entities in Romania, Portugal, and Estonia.

Product overview

xMoney is a unified financial ecosystem platform providing a comprehensive suite of payment and financial services. The core product portfolio includes Global Payments for accepting and optimising worldwide payments, Recurring Billing for subscription management, Marketplaces for multi-vendor payment flows, Cards Issuing for branded physical and virtual cards, Invoices for billing automation, and Payment Links for link-based payments. The platform also offers three stablecoin products (EURXM, USDXM, RONXM) and the XMN utility token. All services operate within a single unified platform with shared infrastructure, API access, and compliance framework, enabling businesses to accept global payments, manage finances, split transactions, and issue cards through integrated modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Global Payments Unified payment acceptance product that lets businesses accept payments worldwide in multiple currencies via cards (Visa, Mastercard), mobile wallets (Apple Pay, Google Pay, Click2Pay), digital currencies, and local payment methods, offered with a pre-built checkout and customizable embedded payment UIs.
• Recurring Billing Subscription management product that enables businesses to launch flexible plans, free trials, and subscription intervals via API, with smart retries and branded payment reminders to reduce churn.
• Marketplaces Marketplace payment orchestration product providing automated KYC/KYB onboarding, split payments to multiple vendors with configurable rules, and automated payouts to sellers, designed for marketplace operators handling multi-party transactions.
• Cards Issuing Card issuing product that lets businesses issue customized physical and virtual branded cards with control over payouts and spending, plus mobile wallet provisioning for Apple Pay and Google Pay.
• Invoices Invoicing product that lets businesses generate invoices in minutes via dashboard or API, track payments, manage expenses, payroll, and reimbursements, with crypto payment support.
• Payment Links Link-based payment product that lets merchants generate simple payment links to share via email, chat, or socials to accept crypto or fiat payments without requiring a website.
• EURXM (Digital Euro Stablecoin) Proprietary digital Euro stablecoin enabling digital currency payments in EUR.
• USDXM (Digital US Dollar Stablecoin) Proprietary digital US Dollar stablecoin enabling digital currency payments in USD.
• RONXM (Digital Romanian Leu Stablecoin) Proprietary digital Romanian Leu stablecoin enabling digital currency payments in RON.
• XMN Token Utility token designed to make payments work for holders within the xMoney ecosystem.

Quantifiable outcome

• Over 5,000+ businesses using xMoney solutions
• +1 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• VisacoreTechnology or IntegrationPrincipal member of Visa, enabling xMoney to offer Visa card payment processing and issue Visa-branded cards to customers.
• MastercardcoreTechnology or IntegrationPrincipal member of Mastercard, enabling xMoney to offer Mastercard card payment processing and issue Mastercard-branded cards to customers.
• Government Principality of LiechtensteinminorStrategic or Co-development PartnerGovernment entity using xMoney for payment solutions in official capacity.
• Città di LuganominorStrategic or Co-development PartnerCity government of Lugano partnered with xMoney for municipal payment processing solutions.
• UplandminorStrategic or Co-development PartnerMetaverse gaming platform co-founded by Mani Honigstein, partnered with xMoney for innovative payment technology solutions.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• CoinsPaid: Estonia-based crypto payment processor and licensed VASP offering merchant acquiring, crypto processing, and its own stablecoin infrastructure. Direct competitor on European crypto acquiring, VASP licensing, and merchant settlement.
• Alchemy Pay: Hybrid fiat-crypto payment gateway enabling merchants to accept both traditional and digital currencies through a single integration. Directly comparable to xMoney's unified fiat+crypto checkout and global acquiring ambition.
• BitPay: One of the largest crypto payment processors, enabling merchants to accept BTC, ETH, and stablecoins with fiat settlement. Comparable to xMoney on crypto payment acceptance, invoicing, and fiat off-ramp for merchants.
• NOWPayments: Non-custodial crypto payment gateway accepting 200+ cryptocurrencies with fiat settlement and mass payouts. Comparable to xMoney on crypto checkout, invoicing, and merchant mass-payout tooling.
• Coinbase Commerce: Coinbase's merchant crypto payment gateway, offering merchants invoicing, checkout, and settlement in BTC, ETH, and stablecoins. Directly comparable to xMoney's Crypto API and crypto checkout products for global online merchants.
• CoinGate: Lithuania-based crypto payment gateway offering merchant checkout, POS, billing, and donations across multiple coins and stablecoins. Closely comparable to xMoney on European crypto merchant acquiring, POS-style integrations, and invoice billing.

Broad incumbents

• Stripe: Global payments platform that has added stablecoin acceptance and USDC settlement rails. Overlaps with xMoney on merchant card acquiring, subscription billing, marketplaces split payments, and now stablecoin settlement.
• Adyen: Enterprise-grade global payment processor offering unified online, in-person, and platform payments with acquiring licenses across multiple jurisdictions. Comparable to xMoney on Visa/MC principal acquiring, multi-currency processing, and marketplace/pay-out flows.

Others

• Circle: Issuer of USDC and EURC stablecoins, operating regulated payments infrastructure (Circle Payments Network). Comparable as the incumbent stablecoin issuer and settlement-rail provider whose assets (USDC, EURC) directly overlap with xMoney's USDXM and EURXM.

Emerging players

• BVNK: Stablecoin payment infrastructure provider for businesses, offering on/off-ramps and cross-border settlement using stablecoins. Comparable to xMoney on the stablecoin settlement and merchant cross-border payments layer.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HoldHQ
• YouTubeyoutube.com/@xMoney.com.official
• Facebookfacebook.com/xmoney.com.official
• LinkedInlinkedin.com/company/holdhq
• Instagraminstagram.com/xmoney.com.official

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HOLD