1. Project introduction

xMoney provides a unified ecosystem of fiat and crypto payments, card issuing, stablecoin settlement, and on/off-ramp solutions. By integrating XMN as the core utility token, the platform delivers tangible benefits to both merchants and users. Merchants can access lower transaction fees, loyalty-embedded payments, and token-based settlement options, while consumers earn rewards and participate in governance.

2. Team introduction

Greg Siourounis - CEO

https://firefly.social/profile/twitter/XmoneyGreg?channel=rootdata

Roberto Machado - Co-Founder

https://www.linkedin.com/in/rmdmachado/

Jorge Rebelo - Partner

https://www.linkedin.com/in/jorgrebelo/

3. Token application and distribution

Token application:

Staking

Stake XMN to earn rewards and unlock exclusive merchant perks within the xMoney ecosystem.

Governance

Staked XMN gives you a voice in shaping the platform’s future — vote on proposals that guide ecosystem growth and community initiatives.

Loyalty Rewards

Turn XMN into an everyday value. Earn loyalty points redeemable for purchases, discounts, and gamified rewards.

Token distribution:

Community - 30%

To align the core contributors and strategic advisors with the long-term success of the ecosystem.

Treasury - 25%

Used for funding core initiatives, including product development, ecosystem grants, liquidity support, operational needs, and

strategic partnerships.

Team - 25%

These tokens are subject to long-term vesting and lock-up schedules to ensure alignment with the project’s success.

Staking Rewards - 10%

To directly reward users for making payments through the xMoney platform, driving adoption and creating a vibrant circular economy.

Investors - 10%

Investor allocations provide the funding needed to accelerate xMoney’s expansion and deliver long-term ecosystem growth.

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