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Close-up of textured metallic EURXM coin surface with faint circular patterns.Blurry, purple-toned circular USDXM coin with a vague dollar sign shape in the center.Wavy blue ribbon with floating EURXM, RONXM, and USDXM currency symbols on black background.

Stablecoins. Roadmap.

Stability meets speed. Vision meets the plan.

Built on vision. Delivered with trust.

A transparent story of how xMoney has engineered the foundation of Europe's next generation of compliant digital money.

2022 • The Foundation

MultiversX Acquires Utrust

The vision begins.

MultiversX (formerly Elrond) acquires Utrust, the leading crypto-payment solution, to build the payments engine of the future. This laid the technological groundwork for seamless crypto-merchant settlement.

2022 • Regulatory Breakthrough

The National Bank of Romania Approves the acquisition of Twispay

A landmark moment.

The National Bank of Romania (BNR) officially approves MultiversX's acquisition of Twispay, a licensed Electronic Money Institution (EMI).

2023 • Progress

xMoney launches its instant onramp/offramp Mastercard Debit Card

From your wallet to the checkout counter in seconds. No waiting, no friction.

2025 • Unification

xMoney is Born

Transformation and re-branding.

From “Utrust + Twispay” under MultiversX to xMoney - unifying crypto-payments and e-money/payment rails in one regulated fiat & crypto payments infrastructure.

2025 • Expansion

Ecosystem expansion & cross-chain innovation

xMoney secures $21.5M strategic funding, led by Sui Foundation, to build the next-gen stablecoin and payment infrastructure — signaling investor and ecosystem confidence in the stablecoin roadmap.

2025 • Framework

Stablecoin architecture completed

A full institutional-grade framework is finalized:

  • Regulatory structure
  • Collateralization design
  • Operational issuance / redemption flows
  • Treasury & reporting systems
  • Compliance and audit strategy
Late 2025 • The Blueprint

Whitepapers published for EURXM, USDXM & RONXM

xMoney releases whitepapers for three distinct, fully FIAT backed, MiCA-compliant stablecoins.

To be revealed

Official Launch

EURXM, USDXM and RONXM officially launch. Fully audited, FIAT backed, and ready for institutional adoption.

To be revealed

Official Launch

EURXM, USDXM and RONXM officially launch. Fully audited, FIAT backed, and ready for institutional adoption.

To be revealed

Official Launch

EURXM, USDXM and RONXM officially launch. Fully audited, FIAT backed, and ready for institutional adoption.

To be revealed

Official Launch

EURXM, USDXM and RONXM officially launch. Fully audited, FIAT backed, and ready for institutional adoption.

June 2026 • The Era of Stability

Official Launch

EURXM, USDXM and RONXM officially launch. Fully audited, FIAT backed, and ready for institutional adoption.

Three Currencies. One Standard.

Engineered for the future of regulated finance.

3D EURXM coin balanced on a smooth, flowing ribbon-like path against a minimal light background.

EURXM

A MiCA-compliant
euro stablecoin.

Discover EURXM
3D USDXM coin balanced on a smooth, flowing ribbon-like path against a minimal light background.

USDXM

A U.S. dollar-backed stablecoin.

Explore USDXM
3D RONXM coin balanced on a smooth, flowing ribbon-like path against a minimal light background.

RONXM

The first regulated Romanian leu-pegged stablecoin.

Learn About RONXM