Frequently Asked Questions


Universal application, featuring messaging, social network and banking technologies. This all-in-one app allows its user to do multiple things: talk with friends, buy goods in the e-shops, listen music, read books, book different services and so on. What is more important, you can use this application as the wallet to hold your money. It is available both for fiat and cryptocurrency with the opportunity to exchange and transfer within the application.

We are creating a completely decentralized autonomous ecosystem, which unites all the participants of the financial market. We see the future, where people can consume, create and regulate distributed services and products in one decentralized Messenger Bank, where all the processes are based on smart-contracts.

Xmoneta Token(XMN) is a decentralized cryptocurrency for any kind of transactions between the members of the community. Issued tokens are associated with the messenger VISA/ MasterCard, so users can pay with cryptocurrency using virtual and plastic cards. Conversion course will be pegged to the middle rate, used on exchanges trading. The token owners will be able to buy using XMN without the cashing out.

Unlike other similar projects (like CoinSpark, for example), our target audience is much wider than experienced users, who already know about cryptocurrency. Our goal is to involve everyone into Ethereum world, whether companies, experienced cryptoanarchist or just casual smartphone users – everyone is welcome! Our application is supposed to be easy, user-friendly all-in-one crypto-messenger for the general public.

We perform the security tests regularly to provide the maximum secure experience of our websites. We also regularly scan our website for vulnerabilities and malicious codes. All your personal data is located in the secure space and available only for the limited amount of people.


Initial Coin Offering is one of the easiest and most efficient ways for the companies to raise funds in the form of tokens. Investors can get tokens, which are used within the business model. The more developed the project, the greater will be the token’s cost.

The blockchain is a distributed database that doesn’t have storage devices connected to a shared server. This database stores an ever-growing list of ordered records called blocks. Each block contains a timestamp and a link to the previous block.

This is a program code that allows you to automatically perform certain functions when certain conditions occur. To implement smart-contracts, a decentralized environment is required that completely excludes the human factor. To use the transfer of value in a smart-contract, it requires a cryptocurrency.

These are monetary units (also known as “coins” or “tokens”) protected by thr cryptographic technology. There is no physical analog to these monetary units, they exist only in virtual space. Tokens are protected from forgery because they represent encrypted information that cannot be copied (the use of cryptography defined the prefix “crypto” in the title).


XMN is an Ethereum-based ERC20 token. That means, it can be used at any Ethereum client, including the official Ethereum wallet, Mist, and so on.

Everyone, who would like to participate in ICO, can already invest in Xmoneta. Investing now, participants get more benefits in future. As the main ICO campaign will begin, there will be a bonus 50% for XMN. And that’s not all! After ICO, our investors will get big discounts for Xmoneta services. There will be an opportunity to sell the tokens on the market and get profit instantly.

All the tokens will be issued on the Ethereum Blockchain and will be available for trading and exchanges after ICO. You can use as any other cryptocurrencies.

We are here to help you. If you can’t find your question in the FAQ, you can contact us via email

We will answer you in less than 24 hours. Also, you can join our social networks!