Stock.Estate Partners with xMoney to Bring Traditional and Crypto Payments to Regulated Real Estate Crowdfunding

Real estate investment is changing.

For decades, investing in property was largely reserved for institutional investors or individuals with significant capital. High entry barriers, lengthy processes, and limited accessibility meant that participation in the market remained exclusive.

Today, that picture is evolving.

Digital platforms are making real estate investing more accessible, while modern payment infrastructure is transforming how investors move capital across borders and asset classes. At the same time, a growing number of investors now hold part of their wealth in digital assets, creating demand for payment experiences that are as flexible as the investment opportunities themselves.

According to the European Crowdfunding Network, digital investment platforms continue to play an increasingly important role in broadening access to alternative assets, while the European regulatory framework has accelerated confidence in regulated crowdfunding models.

Against this backdrop, payment infrastructure is becoming more than a checkout experience. It is becoming part of the investment journey.

That is why xMoney is partnering with stock.estate to bring both fiat and crypto payments to one of Romania's leading regulated real estate crowdfunding platforms.

A New Chapter for Real Estate Investing

Stock.estate is Romania's first real estate crowdfunding platform licensed by the Romanian Financial Supervisory Authority (ASF), marking an important milestone for regulated property investment in the country.

Since its launch, the platform has built a rapidly growing community of investors seeking access to professionally selected real estate opportunities through a fully digital investment experience.

Today, stock.estate has:

• Nearly €10 million raised through its platform
• More than 16,800 registered investors
• A regulated investment framework supervised by the ASF

Rather than requiring investors to purchase entire properties, stock.estate enables participation in carefully selected real estate projects with significantly lower capital requirements, opening the market to a broader audience while maintaining regulatory oversight.

As alternative investments continue to gain traction across Europe, platforms like stock.estate are helping reshape how individuals access one of the world's most established asset classes.

Bringing Traditional and Crypto Payments Together

Starting this week, investors using stock.estate will be able to fund their wallets by card or crypto through xMoney, alongside the platform’s existing EUR bank-transfer funding flow.

The integration gives investors greater flexibility in how they participate while preserving the familiar investment experience already offered by the platform.

Whether investors choose to pay using conventional payment methods or digital assets, the objective remains the same: making access to regulated real estate investments as seamless as possible.

Behind the scenes, xMoney provides the payment infrastructure that enables these transactions to be processed securely, efficiently, and within a fully compliant framework.

As digital assets become an increasingly common component of diversified portfolios, allowing investors to transact directly with the assets they already hold removes unnecessary friction from the investment process.

Rather than asking investors to move between multiple platforms, convert assets manually, or navigate complex payment flows, the payment experience becomes a natural extension of the investment journey itself.

Why Payment Flexibility Matters

The convergence of digital assets and traditional investments is no longer theoretical.

According to the 2025 Crypto Wealth Report published by Henley & Partners, the number of crypto millionaires worldwide continues to grow, while digital assets increasingly form part of diversified investment portfolios alongside traditional asset classes such as equities, real estate and private markets.

This evolution is changing investor expectations.

Individuals who already manage wealth across multiple asset classes increasingly expect payment infrastructure to offer the same flexibility. That includes the ability to move capital efficiently between traditional finance and digital assets without introducing unnecessary operational complexity.

For investment platforms, offering multiple payment options is not simply about adding another checkout method.

It is about meeting investors where they already are.

The ability to accept both fiat and crypto payments creates greater accessibility for international investors, simplifies cross-border participation, and removes barriers that have historically slowed down investment decisions.

For regulated platforms such as stock.estate, modern payment infrastructure complements - not replaces - the existing investment model by expanding how investors can participate while maintaining compliance and operational control.

Payments Built for Regulated Investment Platforms

As investment platforms continue to digitise, payment infrastructure is becoming a strategic component rather than a back-office function.

Investors increasingly expect transactions to be fast, transparent and flexible, regardless of whether they're funding an investment with a bank card, a bank transfer, or digital assets. At the same time, regulated platforms must balance this expectation with compliance, operational efficiency and security.

This is where modern payment infrastructure makes a difference.

Through xMoney, stock.estate can add card and crypto payment options to its existing funding flow while keeping investments and repayments EUR-denominated. The platform supports fiat payments alongside a growing range of cryptocurrencies and stablecoins, while providing businesses with settlement in their preferred currency.

For investment platforms, this means greater flexibility without adding operational complexity.

Rather than managing separate providers for different payment methods, businesses can streamline the payment experience while maintaining the regulatory standards expected in today's financial environment.

"Our vision has always been to build payment infrastructure that connects traditional finance with digital assets in a practical, compliant way," said Greg Siourounis, Co-founder and CEO of xMoney.

"Real estate is one of the sectors where digital assets can create immediate, practical value. Investors increasingly expect payment experiences that are as modern as the platforms they use. By partnering with stock.estate we're helping bridge traditional investment infrastructure with new payment technologies in a secure and compliant way. This is another step towards making digital payments part of everyday financial services."

Expanding Access Without Compromising Trust

For stock.estate, integrating modern payment options is part of a broader commitment to making real estate investing more accessible while preserving the trust that comes with operating inside a regulated framework.

As the platform continues to grow its investor community, offering greater payment flexibility supports both existing users and a new generation of investors who increasingly manage wealth across traditional and digital assets.

"Our mission has always been to democratise access to real estate investments while maintaining the highest regulatory standards. Partnering with xMoney allows us to offer investors greater flexibility in how they fund their investments without compromising security, compliance, or user experience. As digital assets become a growing part of modern portfolios, providing both traditional and crypto payment options is a natural evolution for our platform."

— Vicentiu Vlad, CEO, stock.estate

The Bigger Picture: Real Estate Meets Modern Payments

The partnership between stock.estate and xMoney reflects a broader transformation taking place across financial services.

Real estate investing is becoming increasingly digital. Investors expect seamless online experiences, instant access to opportunities, and payment methods that reflect how they already manage their wealth.

Meanwhile, payment infrastructure is evolving beyond transaction processing alone. It is becoming an enabler of new business models, allowing regulated platforms to serve broader audiences while simplifying operations behind the scenes.

This convergence is already visible across industries ranging from luxury commerce and high-ticket payments to professional services and investment platforms.

As we explored in our recent articles on Modern Wealth Moves and Crypto Payments in Real Estate, the next generation of financial infrastructure is about connecting with traditional finance more effectively with digital capital.

Real estate is simply one of the clearest examples of that evolution.

The Future is About The Right Infrastructure

xMoney’s goal is to help businesses adopt payment infrastructure that reflects how commerce is evolving.

Whether supporting luxury merchants, enterprise businesses, or regulated investment platforms, we believe payments should remove friction.

The partnership with stock.estate marks another step towards a financial ecosystem where businesses can accept both fiat and digital assets through compliant, scalable infrastructure, while offering customers and investors greater choice in how they transact.

Digital assets continue to mature, and regulated investment platforms are expanding across Europe, so the relationship between payments and investments will become increasingly interconnected.

We're excited to help build that future together.