Company OverviewxMoney
is a financial technology company based in Braga, Portugal, founded in 2017 and focused on providing payment solutions that blend traditional fiat currencies with cryptocurrencies. The company is led by Sergiu Biriș (former LiveRail co-founder) and works closely with the MultiversX (formerly Elrond) ecosystem to drive the adoption of Web3 and decentralized finance (DeFi). LinkedIn's
core products and services
, xMoney provides a complete set of payment tools for e-commerce, SaaS, subscription services, marketplaces and other business scenarios:
payment gateway: Support credit card (Visa, Mastercard), digital wallets (Apple Pay, Google Pay), stablecoins (USDC, USDT) and mainstream cryptocurrencies (BTC, ETH, EGLD, UTK) payments worldwide. xMoney+3xMoney+3xMoney+3
Recurring Bill Management: Provides automated billing, refunds, and recurring revenue management for subscription-based businesses. xMoney+2xMoney+2xMoney+2
Marketplace Platform Solution: Support multi-merchant management, account sharing and settlement, suitable for e-commerce platforms and market-based businesses. xMoney
Card Issuance Service: Allows businesses to issue custom-branded virtual or physical cards to enhance the user experience. xMoney
Payment Links: Merchants can generate shareable payment links that support both crypto and fiat payments, making them suitable for social commerce and small merchants. xMoney
Developer Tools: Provide Card API and Crypto API to support rapid integration with existing systems to meet different business needs. xMoney+5xMoney+5xMoney+5
market positioning and development
As of 2025, xMoney has served more than 20,000 corporate customers across multiple industries such as SaaS, subscriptions, e-commerce, freelancers, marketplaces, and more. Through its partnership with MultiversX, the company is committed to building a payment ecosystem that seamlessly connects fiat and cryptocurrency by promoting the popularization of Web3 and decentralized finance (DeFi). X (formerly Twitter)+3LinkedIn+3MultiversX+
3Regulatory & Compliance
xMoney's payment services are regulated by the National Bank of Romania and hold an Electronic Money Institution License (IEME-RO-0001), which is compliant with EU MiCA regulations. The cryptoasset payment service is provided by Cifralfabeto Unipessoal Lda in Portugal and Modernityparty OU in Estonia, both regulated virtual asset service providers (VASPs) approved by the respective national financial regulators. xMoney
Security & TechnologyThe
xMoney platform uses PCI DSS Level 1 security certification, supports Strong Authentication (SCA) and 3D Secure 2.0 to ensure secure transactions. The company also leverages artificial intelligence technology for fraud detection and prevention, providing real-time payment monitoring and analytics. xMoney+1xMoney+1Future
DevelopmentxMoney is advancing a number of strategic initiatives, including the launch of an EU-compliant stablecoin, the expansion of the global payment network, and the strengthening of its partnership with MultiversX to promote the adoption of Web3 and decentralized finance (DeFi). The company also plans to expand its Ramp business globally to provide more users with convenient cryptocurrency buying and selling services.
Conclusion and
EvaluationxMoney is a leading digital payment platform that has successfully connected traditional finance with the world of cryptocurrencies with its innovative products and services. The company has expanded its business globally and obtained regulatory approvals in many countries and regions, demonstrating strong market competitiveness. However, when using xMoney's services, users should pay attention to the scope of their services and the applicable regions to ensure compliance with local laws and regulations.
