Latest xMoney (UTK) News Update

Deep Dive

1. Domino’s Partnership (11 November 2025)

Overview: xMoney integrated its payment stack with Domino’s Cyprus, allowing customers to pay via crypto (e.g., USDC on Sui) or traditional methods. The solution eliminates payment redirections and secures sensitive data, positioning xMoney as a bridge between Web2 and Web3 commerce.

What this means: Bullish for UTK/XMN adoption, as partnerships with household brands validate xMoney’s infrastructure. However, UTK’s role is diminishing post-migration to XMN, which now handles transactions.
(The Daily Hodl)

2. UTK Delisting & Swap (9 October 2025)

Overview: Ourbit delisted UTK, requiring holders to manually swap tokens to XMN via a 1:1 (locked) or 3:1 (unlocked) ratio. Similar migrations on Bitvavo faced criticism for diluting UTK holders’ governance power by 10–30x.

What this means: Bearish short-term sentiment for UTK due to forced sell-offs and reduced influence, but aligns with xMoney’s pivot to XMN. Price dropped 6% post-announcement.
(Ourbit)

3. Strategic Funding (30 September 2025)

Overview: xMoney secured $21.5M from Sui Foundation and MultiversX to scale compliant stablecoin infrastructure. The funds will expand debit card offerings, cross-border settlements, and Asian/U.S. market entry.

What this means: Neutral-long-term, as capital strengthens xMoney’s regulatory positioning (MiCA-compliant EMI license) but shifts focus away from UTK. XMN’s utility grows, but UTK holders face dilution.
(Cointelegraph)

Conclusion

xMoney is balancing merchant adoption (Domino’s) with a contentious token migration, prioritizing XMN’s multi-chain future over UTK’s legacy. While partnerships signal growth, dilution risks and exchange delistings cloud UTK’s outlook. Will XMN’s expanded utility justify the migration’s short-term friction?

Deep Dive

1. XMN Token Migration Finalization (Q4 2025)

Overview
The UTK-to-XMN migration offers two paths:
- Option 1: 1:1 conversion with a 6-month lockup, ~10% APR staking rewards, and exclusive OG NFT perks (lifetime +2% APR boost).
- Option 2: 3:1 conversion with immediate liquidity but no bonuses.

Exchanges like Bitvavo (announcement) are automating swaps for inactive users by November 2025, while delistings (e.g., Ourbit) signal UTK’s phase-out.

What this means
Bullish for XMN’s liquidity as locked tokens reduce short-term sell pressure. Bearish risks include potential post-unlock volatility in mid-2026 and dilution for non-participating UTK holders.

2. Merchant Incentive Programs (Early 2026)

Overview
30% of XMN’s 10B supply (3B tokens) is allocated to merchant adoption, including:
- Cashback programs.
- Fee subsidies for high-volume partners (e.g., Domino’s Pizza Cyprus rollout in November 2025).

What this means
Bullish for utility-driven demand if merchant adoption accelerates. Neutral-to-bearish if incentives fail to offset the 7-year vesting schedule’s inflationary pressure.

3. Multi-Chain Expansion (Mid-2026)

Overview
xMoney plans to bridge XMN to MultiversX and other ecosystems, contingent on Sui Network’s traction. This aligns with its $21.5M strategic funding from Sui Foundation (Cointelegraph).

What this means
Bullish for cross-chain interoperability but dependent on Sui’s adoption. Delays could stall ecosystem growth.

4. Stablecoin Infrastructure Scaling (2026-2027)

Overview
xMoney aims to launch MiCA-compliant euro/dollar stablecoins, leveraging its Electronic Money Institution license. The focus is on reducing transaction friction for institutional partners.

What this means
Bullish for revenue diversification in the $7T payments market. Regulatory hurdles in the U.S./Asia remain a key risk.

Conclusion

xMoney is transitioning from a niche rewards token (UTK) to a regulated payment infrastructure (XMN), prioritizing merchant adoption, cross-chain growth, and stablecoin integration. Success hinges on mitigating dilution risks and achieving real-world transaction volume.

How will XMN’s vesting schedules and merchant incentives balance inflationary pressures with ecosystem growth?

Deep Dive

1. @xMoney_com: Token Migration Snapshot Mixed

"A new onchain UTK snapshot in 36 hours determines eligibility for 3:1 XMN conversion."
– @xMoney_com (123K followers · 24 Oct 2025 6:44 PM UTC)
View original post
What this means: Mixed sentiment as the migration offers liquidity options but risks dilution. The 3:1 swap ratio reduces UTK’s proportional stake in XMN’s expanded 10B supply, potentially weakening governance influence.

2. @ManLyNFT: Holder Rewards Bullish

"xMoney’s rewarding loyal UTK holders through staking perks shows they value community."
– @ManLyNFT (95.9K followers · 5 Sep 2025 11:41 AM UTC)
View original post
What this means: Bullish for UTK’s long-term holders, as early adopters gain priority access to XMN features, fostering loyalty amid broader ecosystem changes.

3. CoinSpeaker: Dilution Backlash Bearish

"UTK’s 6% price drop post-XMN launch reflects investor anxiety over 30x dilution risk."
– CoinSpeaker (5 Sep 2025 9:48 PM UTC)
What this means: Bearish short-term pressure as UTK holders face tough choices: lock tokens for 1:1 XMN (6-month vesting) or accept immediate 3:1 dilution.

Conclusion

The consensus on UTK is mixed, balancing migration-driven utility gains against dilution risks. While technical traders target $0.04 resistance (+14% from current $0.0159), the broader narrative hinges on XMN’s adoption post-migration. Watch exchange support trends – Bitvavo’s automatic swap (3:1) vs. Ourbit’s delisting – as liquidity shifts could drive volatility.

Deep Dive

1. Migration Snapshot Update (24 October 2025)

Overview: xMoney introduced an onchain UTK snapshot to finalize eligibility for converting UTK to XMN at a 3:1 ratio. Holders on MultiversX (MvX) automatically qualify, while others must move tokens onchain before the snapshot.

This update enforces stricter migration rules to protect long-term holders and ensure transparent allocation. The 1:1 staked bridge remains open indefinitely, but liquid XMN conversions now depend on snapshot compliance.

What this means: This is neutral for UTK because it rewards committed holders with better conversion rates but adds complexity for those on exchanges. (Source)

2. SUI Network Transition (21 October 2025)

Overview: Bitvavo and other exchanges began supporting UTK’s migration to XMN on the SUI blockchain, offering a 1:1 swap (6-month lockup) or 3:1 swap (no lockup).

The shift from Ethereum/MultiversX to SUI aims to leverage SUI’s scalability for payments. Exchanges will auto-convert UTK to XMN post-deadline, phasing out UTK entirely.

What this means: This is bearish for UTK liquidity short-term due to forced conversions but bullish long-term if SUI adoption boosts XMN utility. (Source)

3. Governance-Driven Tokenomics (5 September 2025)

Overview: XMN launched with a 10B supply, diluting UTK holders 10–30x. Holders choose between locked XMN (1:1) or liquid XMN (3:1), impacting governance power.

The update followed a $21.5M funding round led by Sui Foundation, prioritizing compliance and multi-chain expansion. UTK’s price dropped 6% post-announcement.

What this means: This is bearish for UTK’s valuation due to dilution but neutralizes sell pressure by locking tokens. (Source)

Conclusion

xMoney’s codebase updates center on migrating UTK to XMN via SUI, balancing holder incentives with ecosystem scalability. While dilution risks weigh on UTK, the infrastructure pivot could enhance XMN’s payment utility. How will SUI’s performance impact XMN’s adoption in 2026?