The US Dollar. Upgraded.
1:1 Fiat Backed • MiCA-Compliant • Built for Speed
USDXM is a US Dollar-backed digital currency, a modern form of cash engineered for speed, security, and global reach.
Built for individuals, institutions, and the open internet.
The Trust Core
USDXM is a US Dollar-backed stablecoin for institutional payments, treasury, and programmable finance.
Fully Backed
Every USDXM is backed 1:1 in accordance to the MiCA requirements.
MiCA Compliant
Fully regulated under the Markets in Crypto Assets Regulation.
Issued by a Regulated Institution
USDXM ensures strict oversight and segregated client funds.
Transparent
Audited reserves, clear governance, enterprise grade transparency.
US Dollar-Backed Stability. Global Reach.
A digital US Dollar built for real-world utility.
Settle payments globally.
Move money across borders in seconds. Lower FX costs, skip intermediaries, and settle directly in Digital US Dollar.
Exchange with low friction.
Instant, compliant, and cost-efficient swaps powered by a fully backed US Dollar stablecoin — built for real liquidity, not speculation.
Integrate programmable money.
Automate payouts, trigger real-time settlements, and build smarter financial flows using a stable, MiCA-compliant digital US Dollar.
Safeguard corporate treasury.
Hold US Dollar value in a compliant, fully reserved digital asset designed for security, transparency, and instant accessibility.
Regulated issuance. Institutional controls. Audited reserves.
Dynamic supply
USDXM has no maximum supply, it will be determined by market conditions and demand.
Minimum investment
Minimum investment of $100,000 required for direct USDXM purchase via the xMoney Foundry platform.
USD-Transactions
xMoney Foundry accepts USDXM purchases only from USD bank accounts in the account holder's name.
Third-Party Audits
USD reserves are audited regularly by licensed third parties, ensuring full transparency.
xMoney is a licensed EMI regulated by the National Bank of Romania.
Read White Paper
One Stablecoin.
Limitless Utility.
Universal settlement for institutions, merchants, and developers.
Dive into the USDXM White Paper
A deeper look at technology, reserves, compliance, and the USDXM economic model.
Read White Paper
xMoney Stablecoins Roadmap
See what’s coming next as we expand integrations, custody options, and cross-chain capabilities.
View Full Roadmap
Frequently Asked Questions
What is USDXM?
USDXM is an electronic-money token (EMT) issued by xMoney, designed to maintain a stable value pegged 1:1 to the US Dollar.
How does xMoney guarantee that USDXM is fully backed and redeemable?
For every unit of USDXM issued, an equivalent amount in USD is held in reserve. Reserves are audited regularly by licensed third parties.
How can I acquire USDXM?
USDXM is issued by xMoney on the integrated blockchains. For retail customers it is also listed with cryptocurrency service providers.
What is the minimum investment for acquiring USDXM directly through xMoney?
A minimum investment of $100,000 applies to direct purchases through the xMoney Foundry platform.
How can I redeem USDXM?
Holders have a right of redemption at any time and at par value. Institutional and business holders resident in the EEA may exercise this right directly with xMoney.
Which blockchains is USDXM available on?
USDXM is issued on Distributed Ledger Technology, utilising SUI and MultiversX.
What measures does xMoney take to ensure the security of USDXM?
xMoney operates as a licensed EMI under the supervision of the National Bank of Romania, with segregated client funds and regular third-party audits.