MoneyYour universal bank that speaks both crypto and dollars.
xMoney blends instant P2P transfers, up to 6% APY yield, token cashback, and titanium premium cards — with Apple/Google Pay, on‑chain swaps, staking, and seamless crypto/fiat exchanges, all wrapped in military‑grade security and 24/7 support.
6% APY
On USD and stablecoins
24/7
Human support in-app
Global
Available in all supported countries
Card lineup
Standard
Everyday payments up to €10,000/month
- ✔1% cashback on all purchases
- ✔Instant top-ups and crypto transfers with zero fees
- ✔Virtual card for online payments
- ✔10% off Tesla charging
Premium
For active crypto users & frequent travelers
- ✔3% cashback on all purchases
- ✔Physical card for payments & cash withdrawals up to €100,000/month
- ✔Airport lounge access (up to 6 visits/year)
- ✔Priority 24/7 support
Founder
Exclusive, no-limit business tier
- ✔10% cashback on all purchases, no cap
- ✔Carbon Founder card (limited series)
- ✔Unlimited lounge access (+ up to 5 guests)
- ✔24/7 concierge (travel, events, dining)
xMoney financial stack
Crypto Core
Custody, staking, and transfers across 14 networks. Auto‑conversion to USD at best execution the moment you pay.
Fiat Rail
USD/EUR accounts, ACH/SWIFT, instant internal transfers, and fee‑free ATM withdrawals worldwide.
Risk & Security
ML fraud analysis, 3D Secure 2.2, multi‑sig controls, freeze/unfreeze in a tap.
Smart Yield
Up to 6% APY on stablecoins and dollars, daily accrual, flexible withdrawals.
How it works
Register
Create your xMoney profile in the app. Takes under 2 minutes.
Verify
Pass KYC (passport + selfie). We verify in background, no branch visits.
Deposit
Fund in crypto or fiat. Minimum top-up depends on card tier.
Issue & use
Mint virtual/physical card, add to Apple/Google Pay, start spending and earning cashback.
Partners building the future with xMoney
