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Investment platform

Invest with xMoney, earn profit

Your balance goes to work across our trading and treasury desks, with our own capital in the same strategies. Profit lands daily in dollars, and nothing is ever locked in.

Three plans, three targets

They differ by the target we aim for and how much of your capital we put to work behind it.

Conservative

3.5%a year, targeted

The steady option. A modest target, held as close to consistent as we can manage.

Capital is put to work in our lowest-volatility strategies, with tight limits on how much can be exposed at once.

From $100. Withdraw anytime.

Balanced

6%a year, targeted

The middle option. More of your capital goes to work, and the target rises with it.

A blend of our steady strategies and more active ones, rebalanced as conditions change.

From $1,000. Withdraw anytime.

Growth

9%a year, targeted

The most ambitious option, and the highest target we offer.

Weighted towards our highest-conviction, highest-volatility strategies, where results vary most.

From $5,000. Withdraw anytime.

Three steps, then it runs itself

  1. 1

    Fund your account

    Deposit with crypto, bank transfer, wire transfer, PayPal, Zelle, Cash App or gift cards. Whatever you send becomes a dollar balance, at a rate you see before confirming.

  2. 2

    Pick a plan

    Three of them, split by how much effort we take with the capital behind each one.

  3. 3

    Watch it earn

    Your profit is credited daily in dollars. Withdraw whenever you want, by any of six methods, and keep what it earned.

How it works underneath

We put the capital to work

Your deposit becomes a dollar balance. We deploy capital against it across our trading and treasury desks, and credit your share of the result daily. Our own money is in the same strategies, which is the only alignment worth anything.

How we operate

Our capital first

We deploy our own balance sheet alongside yours. When a strategy loses, we are in it too.

Reported, not implied

Every accrual is itemised in your dashboard and exportable, so you can check what landed and when.

Nothing locked in

Client funds sit apart from company funds, and there is no notice period. Ask for it back and it goes back.

Frequently Asked Questions

Where does the return actually come from?

We put capital to work across our trading and treasury operations and pay you a share of what it earns. It is not interest on a deposit, and it is not passed through from a bank.

So what happens in a bad month?

Your return drops. These are targets, and a plan can pay under its target or nothing at all if the strategies behind it lose money.

Why does Growth target more than Conservative?

Because more of the capital behind it goes into our more active strategies. Those move further in both directions, so Growth varies most from month to month.

How do I put money in?

Seven ways: crypto, bank transfer, wire transfer, PayPal, Zelle, Cash App and gift cards. Whichever you pick, it lands as a dollar balance and you see the rate before you confirm. Timings and limits for each are on the funding page.

Can I get my money out?

Whenever you like. No lock-in, no notice period, no exit fee. Withdraw by crypto, bank transfer, wire transfer, PayPal, Zelle or Cash App, and you keep everything credited up to that day. Gift cards are a deposit method only — there is no way to send value back to a card.

Start with what you already have

It takes a few minutes to open an account and decide what your money does next.