MoneyYour universal bank that speaks both crypto and dollars.
X Money blends instant P2P transfers, up to 6% APY yield, token cashback, and titanium premium cards - with Apple/Google Pay, on-chain swaps, staking, and seamless crypto/fiat exchanges, all wrapped in military-grade security and 24/7 support.
6% APY
On USD and stablecoins
24/7
Human support in-app
Global
Available in all supported countries
Card lineup
Standard
Everyday payments up to EUR 10,000/month
- OK1% cashback on all purchases
- OKInstant top-ups and crypto transfers with zero fees
- OKVirtual card for online payments
- OK10% off Tesla charging
Premium
For active crypto users & frequent travelers
- OK3% cashback on all purchases
- OKPhysical card for payments & cash withdrawals up to EUR 100,000/month
- OKAirport lounge access (up to 6 visits/year)
- OKPriority 24/7 support
Founder
Exclusive, no-limit business tier
- OK10% cashback on all purchases, no cap
- OKCarbon Founder card (limited series)
- OKUnlimited lounge access (+ up to 5 guests)
- OK24/7 concierge (travel, events, dining)
X Money financial stack
Crypto Core
Custody, staking, and transfers across 14 networks. Auto-conversion to USD at best execution the moment you pay.
Fiat Rail
USD/EUR accounts, ACH/SWIFT, instant internal transfers, and fee-free ATM withdrawals worldwide.
Risk & Security
ML fraud analysis, 3D Secure 2.2, multi-sig controls, freeze/unfreeze in a tap.
Smart Yield
Up to 6% APY on stablecoins and dollars, daily accrual, flexible withdrawals.
How it works
Register
Create your X Money profile in the app. Takes under 2 minutes.
Verify
Pass KYC (passport + selfie). We verify in background, no branch visits.
Deposit
Fund in crypto or fiat. Minimum top-up depends on card tier.
Issue & use
Mint virtual/physical card, add to Apple/Google Pay, start spending and earning cashback.
Partners building the future with X Money
