- 14 Dec 2025
- Elara Crowthorne
- 1
xMoney Payment Fee Calculator
Calculate your potential savings when using xMoney for cryptocurrency payment processing compared to traditional payment processors like PayPal.
xMoney (formerly Utrust) is not just another cryptocurrency-it’s a payment platform built to make buying and selling online with crypto as easy as using a credit card. At its core, xMoney solves a real problem: merchants hate crypto because prices swing too fast, customers get ripped off in disputes, and cross-border payments take days with crazy fees. xMoney fixes all that. Its native token, UTK, powers the whole system, but the real value isn’t in speculation-it’s in how it actually works for everyday transactions.
How xMoney Works for Buyers and Sellers
Imagine you’re an online store owner. A customer wants to pay you in Bitcoin. Normally, you’d have to worry about the price dropping before you cash out, or worse, a chargeback that you can’t fight because crypto transactions are irreversible. With xMoney, that’s not a problem. The platform locks in the price for 15 minutes during checkout. If the buyer pays in BTC, xMoney instantly converts it to fiat (like USD or EUR) and deposits it into your bank account. You never hold crypto. You never lose money to volatility.
For buyers, it’s even better. If something goes wrong-your order never arrives, or it’s damaged-you can file a dispute. xMoney’s buyer protection system steps in, investigates, and if you’re in the right, you get your money back. That’s something BitPay and Coinbase Commerce don’t offer. Most crypto payment tools treat you like a trader, not a consumer. xMoney treats you like a shopper.
What Is UTK, and Why Does It Matter?
UTK is the original token of the platform, launched in 2019. It’s not a currency you use to buy coffee-it’s a utility token that powers the ecosystem. Merchants who accept UTK as payment get lower fees. Buyers who hold UTK get discounts. Developers who build tools on xMoney’s API get rewarded in UTK. It’s designed to create a flywheel: more users → more transactions → more demand for UTK → better rewards for everyone.
But here’s the big update: as of November 1, 2025, xMoney is retiring UTK and replacing it with XMN. This isn’t just a rebrand. XMN has a fixed supply of 10 billion tokens (UTK had 1 billion), and it’s built to comply with the EU’s MiCA regulation, which is the strictest crypto law in the world. UTK holders got a migration deal: for every 1,000 UTK they locked up for six months, they received 1,051.05 XMN. That’s a 5.1% bonus just for sticking with the platform.
Where Is xMoney Used?
You won’t find xMoney at your local grocery store-but you will find it on thousands of online shops. Its biggest adoption is in e-commerce (47% of users), digital services like VPNs and SaaS tools (29%), and luxury goods (14%). Indonesian store TokoCrypto cut its payment processing fees from 4.2% down to 1.3% after switching to xMoney. Over six months, they processed $2.3 million in crypto with zero chargebacks.
It’s especially popular for international payments. A user on Reddit paid a European supplier $5,000 in crypto through xMoney. The transaction settled in 12 minutes. The fee? $18. A traditional bank wire would’ve cost over $250 and taken three days.
How Does It Compare to Other Crypto Payment Tools?
Here’s how xMoney stacks up against its main rivals:
| Feature | xMoney | BitPay | Coinbase Commerce | MoonPay |
|---|---|---|---|---|
| Buyer Protection | Yes | No | No | No |
| Auto-Fiat Conversion | Yes | Yes | Yes | Yes |
| Accepts Multiple Cryptos | Yes (BTC, ETH, BNB, USDT, etc.) | Yes | Yes | Yes |
| Merchant Fees | 1-3% | 1-2% | 1% | 3-5% |
| Settlement Speed | Instant | 1-2 days | 1-2 days | Instant |
| Shopify Integration | Yes | Yes | Yes | Yes |
| Token Incentives | XMN/UTK rewards | None | None | None |
BitPay and Coinbase Commerce are bigger, with more merchants. But they don’t protect buyers. MoonPay is great for buying crypto quickly, but terrible for running a store. xMoney’s edge is the combo of protection, low fees, and token rewards.
Technical Side: Blockchain and Security
UTK started as an ERC-20 token on Ethereum. But in 2023, it moved to MultiversX (ESDT), a faster, cheaper blockchain designed for payments. That means transactions settle in seconds, not minutes, and fees are pennies, not dollars. The system uses public-key encryption-same tech that secures your online banking-and all transactions are recorded on a public, tamper-proof ledger.
But here’s the catch: xMoney’s dispute resolution is centralized. Deloitte called this a flaw. If you’re a crypto purist who wants total decentralization, this might turn you off. But if you’re a merchant who needs to sleep at night knowing you won’t get scammed, this is a feature, not a bug.
Getting Started as a Merchant
Setting up xMoney takes 2-5 business days. You’ll need to verify your business identity and bank details. Once approved, you can integrate via:
- API (for developers)
- Plugins for Shopify, WooCommerce, or Magento
- A hosted payment page (no coding needed)
Most non-technical users report it takes 8-12 hours to get everything working. Technical users say 2-4 hours. The documentation is decent but has inconsistent examples. The community helps: Telegram has over 12,000 members, Discord has 8,700, and GitHub has 347 active contributors.
Real User Feedback
On Trustpilot, xMoney has a 3.8/5 rating from 142 reviews. Positive reviews praise the refund system and low fees. Negative ones complain about slow customer support-48 hours on average-and Shopify integration glitches. One user wrote: “I waited three days for a support reply after my payment failed. It worked eventually, but I lost a sale.”
But the data tells a bigger story: 72% of Reddit users who’ve used xMoney for international payments say it’s improved their business. TokoCrypto’s case isn’t an outlier-it’s a pattern.
Market Position and Future Outlook
The crypto payment industry is worth $7.3 billion in 2025 and growing fast. xMoney holds about 2.1% of that market-small compared to BitPay (18.7%) and Coinbase Commerce (14.2%). But it’s growing. Its acquisition of Twispay in 2025 doubled its valuation to $40 million. By 2026, it plans to add 12 more e-commerce platforms and enter 15 new countries with tailored compliance rules.
Analysts think xMoney could hit 5-7% market share by 2027-if it navigates regulation. Right now, only 38% of countries have clear rules for crypto payments. Asia-Pacific is especially risky. J.P. Morgan warns that regulatory chaos could stall its growth.
Is xMoney Worth It?
If you’re a trader looking to flip UTK for quick gains-probably not. The token’s price is low ($0.01441 as of December 14, 2025), and volume is modest. But if you’re a merchant tired of high fees, chargebacks, or slow international transfers? xMoney is one of the few crypto tools that actually makes sense.
The shift from UTK to XMN shows they’re playing the long game. They’re not chasing hype. They’re building a payment system that works for real businesses, in the real world. And that’s rare in crypto.
Is xMoney the same as UTK?
No. xMoney is the payment platform. UTK was its original token. As of November 2025, UTK is being replaced by XMN under new EU regulations. UTK holders received a bonus when they migrated to XMN.
Can I use xMoney to pay for everyday items?
Not directly at physical stores. But you can use it to buy from thousands of online shops that accept crypto-especially in e-commerce, digital services, and luxury goods. The platform converts crypto to fiat for the merchant, so you’re paying with crypto, but they get cash.
Does xMoney protect me if I get scammed?
Yes. If you pay for a product and it’s not delivered or is defective, you can open a dispute. xMoney investigates and, if you’re in the right, issues a refund. This is unique among major crypto payment platforms.
How do I get started as a merchant?
Sign up on xMoney’s website, verify your business, and choose your integration method: API, Shopify/WooCommerce plugin, or hosted payment page. The process takes 2-5 business days. You don’t need to hold crypto-you’ll get paid in your local currency.
Is UTK still usable after the XMN migration?
No. UTK was fully retired in early 2026. All holders were migrated to XMN. Any UTK still held after the deadline is no longer valid on the xMoney platform or its supported exchanges.
What’s the difference between xMoney and PayPal?
PayPal charges 2.9% + $0.30 per transaction and can freeze accounts. xMoney charges 1-3% with no freezes, and lets you accept crypto without holding it. PayPal doesn’t support crypto refunds. xMoney does. xMoney also has lower international fees and faster settlements.
What’s Next for xMoney?
The platform’s roadmap is clear: more integrations, more countries, and better tools for businesses. The upcoming xMoney Crypto Pay Pro, launching in Q4 2026, will give enterprise clients analytics, multi-currency dashboards, and automated compliance checks. If they execute well, they could become the go-to payment layer for global e-commerce-especially in markets where banks are slow or expensive.
Right now, xMoney isn’t the biggest player. But it’s the only one that’s built a system where buyers, sellers, and developers all benefit. That’s why it’s still here-and why it might just win in the long run.
1 Comments
Merchants don't care about token rewards. They care about settlement speed and chargeback immunity. xMoney delivers on that. But calling it a 'payment platform' is misleading. It's a custodial wrapper with a token tax.