XMN is Here: A Token Built for Global Payments

By choosing XMN, the community has embraced the evolution from a closed-loop rewards token (UTK) into a global, regulated payments infrastructure, built for scale, compliance, and adoption.

This decision is a token upgrade, but more importantly, it also lays the foundation for xMoney’s role in the $7 trillion payments and stablecoin market. All made possible because of you.

Today’s result represents a broader shift in how financial ecosystems can and should be built: open, community-driven, and compliant by design. In a market dominated by centralized giants, XMN introduces a model where growth, governance, and rewards are shared with the very people who use and support the network.

A Defining Vote, A Shared Future

This moment is proof that xMoney’s growth is shaped by its community.

By participating in the governance process, UTK holders confirmed their belief in the long-term vision of building regulated, borderless financial rails that benefit both merchants and users worldwide.

With this vote, we’ve taken a unique step, placing governance at the center of a payments ecosystem designed to serve both merchants and users.

What XMN Brings

XMN is the economic engine of xMoney. From day one, it introduces a robust architecture that powers adoption, loyalty, and sustainable growth:

• Stablecoin infrastructure - MiCA-compliant euro and dollar stablecoins, seamlessly integrated into payments.
  
• Merchant incentives - cashback, loyalty programs, and fee reductions that drive real-world usage.
  
• Ecosystem growth - integrations, developer grants, and expansion across chains.
  
• Community alignment - staking, governance rewards, and incentives designed to strengthen long-term participation.
  

For merchants, this means lower costs, faster settlement, and loyalty systems that keep customers coming back, all without the complexity of managing crypto wallets or compliance hurdles.

For users, it means being able to spend stablecoins and digital assets as easily as using a credit card, whether for everyday shopping, luxury purchases, or cross-border transfers.

Every emission of XMN is designed with purpose, reinforcing adoption and creating a flywheel effect: more payments → more utility → more adoption → more growth.

Why XMN is a Category Breakthrough

The approval of XMN means more than a governance milestone, as it represents a decisive step into one of the largest and fastest-growing markets in global finance.

Smart Payments, Smarter Agents
The next generation of payments won’t just move money - they’ll move intelligence. With agent-based payments, value can flow autonomously between parties, combining DeFi efficiency with traditional finance reliability. This creates a world where transactions adapt in real time to user needs, liquidity, and compliance requirements.

The Holy Grail: RWA Payments
Real-world assets (RWAs) are unlocking trillions in value on-chain, from real estate to commodities. The true breakthrough lies in enabling payments across these assets through fractional ownership: imagine booking a jet, buying property, or securing yield seamlessly with tokenized value. With XMN, this becomes not just possible, but scalable.

From Token Utility to Revenue Engine
UTK rewarded loyalty. XMN generates sustainable value: transaction flows, ecosystem usage, and new revenue streams powered by intelligent payments and RWA integrations. This shifts xMoney from a rewards protocol into a global fintech infrastructure.

Global Scale, Not Single-Chain Boundaries
XMN is built to expand across ecosystems. With Sui, MultiversX, and more chains in the pipeline, every integration multiplies liquidity, adoption, and reach - positioning XMN as a cross-chain hub for interoperable value transfer.

An Asymmetric Opportunity
Few tokens emerge at the intersection of payments, real-world assets, and community governance. XMN is one of them; an early-stage asset designed to capture value from the most disruptive trends in finance.

In short: XMN is a category breakthrough, turning xMoney into a regulated global payments engine and positioning the holders at the center of one of the biggest opportunities in crypto, today and for the future.

The Upgrade Path

Following the governance approval, UTK holders now can choose their upgrade path:

• Option 1: 1 UTK = 1 XMN (staked & locked for 6 months)
  
  • Earn ~10% APR during lock period
    
  • Receive the exclusive OG NFT (+2% lifetime APR boost, governance weight, loyalty perks, and early access)
    
  • Unlock liquidity earlier than team and investor allocations
    
• Option 2: 3 UTK = 1 XMN (no lock), liquid from day one
  
  • Immediate liquidity on Sui
    
  • Earn staking rewards (~8% APR to start)
    
  • Flexible, with no NFT or lock requirements
    

Both options give UTK holders a direct entry into the XMN economy, with paths tailored to different needs.

What Happens Next

The vote is closed, but this is only the beginning. Here’s what comes next:

• Migration dashboard - Available soon for holders to view and manage their upgrade choices.
  
• Liquidity and listings - We’ll continue coordinating with exchanges to enable a smooth UTK → XMN migration and support XMN trading. Timelines vary by platform, but CEX and DEX liquidity will be expanded progressively.
  
• Tokenomics transparency report - Showing the distribution, vesting schedules, and multisig oversight of all XMN allocations.
  
• Ecosystem expansion - From merchant onboarding to stablecoin rails and cross-chain integrations (MultiversX, Sui, and beyond), utility and adoption will be at the core of the rollout.

XMN holders will be at the heart of these next steps, benefiting from rewards, governance, and early adoption advantages.

A Message to the Community

The approval of XMN is not only a technical change, but also a signal of trust, belief, and ambition. 

Together, we’ve set the stage for xMoney to evolve from a niche adoption player into a global payments contender, one that combines compliance, innovation, and community ownership at its core.

We are upgrading what it means to move money globally.

As compliance frameworks like MiCA set the standard in Europe, and stablecoins redefine global finance, xMoney and XMN are uniquely positioned to bridge these worlds. The journey ahead is ambitious, but with our community’s support, it’s one we are ready to lead.

A new era for the future of payments is here. And it begins with XMN.