MultiversX and the Future of xMoney

MultiversX and the Future of xMoney

For MultiversX, xMoney is a strategic pillar in a long-term roadmap that expands the network’s offerings, strengthens its infrastructure, and creates new avenues for adoption. It is the next major step in reaching more users, businesses, and enterprises while unlocking new resources for the ecosystem and its builders as well as the network and its users. 

After years of preparation, xMoney enters its next phase: becoming a regulated global stablecoin issuer under MiCA, building on MultiversX infrastructure, and unlocking compounding value for the entire ecosystem.

1. Stablecoins as Core Infrastructure

Stablecoins have become the primary entry point for global capital and users into Web3. Today, they process over $7 trillion annually, with projections pointing to double-digit trillions in the years ahead.

Through xMoney, MultiversX plans to issue regulated stablecoins, beginning with EUR, USD, and RON. This multi-currency issuance positions MultiversX as one of the few ecosystems with regulated stablecoins across both major and regional currencies.

For the ecosystem, the impact is immediat

• Liquidity across DeFi protocols such as Ash, Hatom, JEX, and XOXNO.
• New settlement rails for MvX-native applications such as Pulsar, Shelters,  xPortal, and Zontix.
• Fuel for real-world adoption of MultiversX infrastructure like Inspir3, JoAI, and Philanthrify.
• User-friendly and compliant payment options for gaming projects and metaverse applications such as Arcadia, Knights of Cathena, and AI Nexus.
• Simplified transactions and fiat-grade UX for the NFT and creator economy, powering marketplaces and platforms like OOX, RareArt, and VibeOX.
• Trustworthy rails for enterprise and fintech adoption, where platforms like Itheum, Timeworks, and VeroPay can leverage regulated stablecoins to integrate with businesses and institutions.

This transforms MultiversX from a high-performance Layer 1 into institutional-grade money infrastructure, anchoring liquidity and growth for the entire ecosystem.

2. Revenue & Treasury Growth

After years in the investment phase, xMoney is now transitioning into its revenue phase. Its revenue streams will include:

• Stablecoin issuance: float and interest revenues
• Payment processing: transaction fees and merchant service charges
• Card Issuing & Interchange: revenues from consumer and business cards, including interchange fees and premium services.
• On/Off-ramp services: conversion fees and spreads from seamless fiat–crypto and crypto–fiat transactions.
• DeFi usage of stablecoins: protocol fees and integrations

As a majority stakeholder of xMoney,  these revenues directly benefit the Foundation’s treasury. More revenues mean a stronger balance sheet, greater long-term sustainability, and more resources to reinvest in ecosystem growth.

This creates a virtuous cycle:
Treasury revenue → reinvested in grants, liquidity programs, and adoption → strengthens the ecosystem → attracts more usage → generates more revenue.

This is how xMoney could become a growth driver for the MultiversX ecosystem.

3. Strategic Partnerships & Global Scale

Stablecoin infrastructure is a global endeavor. To succeed, it requires distribution, liquidity, and partnerships at scale.

MultiversX has spent years seeding xMoney’s foundations. Now, we are entering the global alliance phase. The first step is the partnership with SUI, which expands distribution, reach, and liquidity.

Next steps will include additional ecosystem and institutional partnerships across Layer 1s, exchanges, fintechs, payment processors, and institutional capital partners. Through these alliances, MultiversX will sit at the center of a multi-chain liquidity funnel, ensuring that capital, integrations, and adoption converge back into the ecosystem.

In today’s market, integrating a major stablecoin often comes with costs well above $10 million, and in some cases more than $100 million. It is a price many ecosystems are willing to pay, given the foundational role stablecoins play in driving liquidity and adoption.

xMoney’s edge lies in being able to deliver fully compliant stablecoins at highly competitive rates, lowering barriers for protocols, enterprises, businesses, and end users. Beyond issuance, its integrated acquiring and card issuing services extend these advantages into everyday payments, enabling merchants and consumers to transact seamlessly on regulated rails. By issuing regulated, native stablecoins directly on MultiversX infrastructure, the ecosystem secures this cornerstone capability without the massive integration costs borne by others.

For MultiversX, native stablecoin issuance is set to become one of the most powerful drivers of growth: unlocking deep liquidity, fueling adoption at scale, and catalyzing usage across every corner of the ecosystem.

4. Contributions to the MultiversX Ecosystem

The benefits of xMoney and its products have the potential to extend across every layer of the MultiversX network:

• Native stablecoins
  
  • Provide one of the most significant liquidity opportunities to date.
  • Generate substantial inflows supporting DeFi, xExchange, lending protocols, and fiat on/off ramps
• Treasury uplift
  
  • With a majority stake, MultiversX gains direct exposure to xMoney’s enterprise value
    
    • As context, industry benchmarks include Circle’s $30B+ valuation and other fintech unicorns like PayPal (~$63B) and Stripe (~$91B)
  • As xMoney grows, MultiversX’s stake turns it into a reflective flywheel for the ecosystem by bolstering the Foundation treasury
• Capital & partnerships
  
  • Each integration brings new users, new liquidity, and new transaction flows
  • Each new partnership creates a funnel toward EGLD adoption, staking, and DeFi participation
• MvX First
  
  • Every new product, rail, or integration is immediately accessible to MultiversX builders
  • Ecosystem projects gain first-mover advantage with tools like stablecoins, merchant APIs, fiat ramps, and compliance-ready modules
  • Builders are not just first to adopt these tools, they are also first to shape their features, integrations, and use cases alongside the xMoney team

In this way, the impact of xMoney is not limited to treasury growth. It flows directly to builders, projects, and users, multiplying value across the entire network.

5. The Strategic Outlook

After years of research, development, and investments, xMoney is aiming to become a regulated stablecoin issuer under MiCA, with significant shareholder stake by the MultiversX Foundation. This creates:

• Immediate ecosystem value through liquidity
• A virtuous growth cycle that directly benefits the MultiversX ecosystem
• A unique global position for MultiversX at the center of Web3’s most profitable category

Opportunities of this scale bring challenges: regulatory complexity, adoption hurdles, execution speed. These hurdles take time, but once cleared, they become lasting advantages. Together with the MultiversX Foundation, xMoney has already laid the groundwork. With the last regulatory steps now in progress, the path forward is clear, and the teams and partners involved are ready to deliver.

• The xMoney team brings years of experience navigating licensing, compliance, and fintech development.
• The MultiversX Foundation has invested years of resources into building the necessary groundwork, providing the framework for these next steps.

Together, this means that together with the MultiversX Foundation, xMoney is entering this new industry from a position of strength, readiness, and resilience. As majority shareholder, the Foundation will not only help accelerate growth of the company but also to ensure long-term governance, compliance, and alignment with ecosystem interests.

A Shared Milestone

The MultiversX Foundation’s mission is to enable global, open, and scalable infrastructure that empowers innovation and real-world adoption of blockchain technology. Through xMoney, we’re extending our mission into stablecoins and payments - tools that immediately benefit builders, users, and the wider MultiversX network.

With xMoney, MultiversX enters a new growth era in which liquidity, users, and capital converge to amplify the ecosystem’s vision at global scale.

This is a shared milestone for the entire community. One that we believe will bring great benefits for builders, businesses, stakeholders, and users alike and shape the network's trajectory for the years ahead.

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Disclaimer: This blog post contains forward-looking statements regarding xMoney’s development and regulatory trajectory. Actual outcomes may differ due to licensing processes, regulatory approvals, market conditions as well as other factors. Nothing herein constitutes investment advice.