xMoney

xMoney, headquartered in Bucharest, Romania, provides an integrated financial ecosystem that enhances businesses' capabilities in the digital economy through digital payment solutions and financial management tools. Founded in 2017, xMoney operates as a MiCA-compliant Licensed Electronic Money Institution and is PCI DSS Level 1 certified. It is a principal member of Visa and Mastercard, serving over 5,000 merchants globally. The company raised USD 21.

5 million funding round from investors including Sui Foundation and MultiversX Labs S. R. L. The company has maintained a consistent focus on optimizing financial operations for businesses, without notable pivots in its core strategy.

xMoney operates as a comprehensive financial ecosystem designed to empower businesses in the digital economy. The company offers a suite of products that facilitates global payment acceptance, financial management, transaction splitting, and card issuance, all consolidated within a single platform. Core offerings include the ability to accept payments across multiple currencies and payment methods, such as cards (Visa, MasterCard), mobile wallets (Apple Pay, Google Pay), digital currencies, and local methods, enabling businesses to streamline their financial operations. Additionally, xMoney provides robust subscription management solutions for scalable recurring revenue, customizable payment links for easy payment processing, and automated invoicing features, catering to a diverse client base that includes retailers, marketplaces, and service providers across Europe, North America, and Asia.

With over 5,000 businesses utilizing its services, xMoney has established itself as a key player in the fintech sector, addressing the complexities of modern payment processing and financial management. xMoney generates revenue through a multi-faceted transaction structure that encompasses various service offerings, including payment processing, subscription management, and invoicing solutions. Clients utilizing xMoney’s platform can engage in transactions that facilitate one-time payments, recurring billing, and invoice settlements, enhancing their financial operations. For example, a business may subscribe to xMoney's services, enabling it to automate its billing workflows while paying a fee based on transaction volume or a fixed monthly subscription rate.

Additionally, businesses can generate payment links for services rendered, allowing customers to pay in their preferred currency, thus simplifying the payment process. xMoney's robust platform and service offerings provide a structured avenue for revenue generation through B2B partnerships and direct-to-consumer transactions, reinforcing the company’s commitment to delivering comprehensive financial solutions. In September 2025, xMoney raised USD 21. 5 million in venture funding which will be utilized to expand its crypto payment services across Europe and into new markets.

The company aims to launch upcoming products that enhance its service offerings, further aligning with its goal to streamline financial transactions for businesses. Specific geographic regions targeted for expansion have not been disclosed.