xMoney, the payments division of the MultiversX group, announced it will launch three MiCA-regulated stablecoins (EURXM, USDXM, and RONXM) in June 2026. The company aims to position itself as a leading provider of compliant digital payments built for the European regulatory landscape.

Meet EURXM, USDXM, and RONXM ?
Three new stablecoins designed for real payments.

We’ve just hit another milestone for our vision and published the whitepapers for these new MiCA-regulated stablecoins launching in June 2026 ? pic.twitter.com/5hNMkPR3n2

— xMoney.com (@xMoney_com) December 8, 2025

A New Trio of MiCA-Compliant Stablecoins

xMoney’s new offering introduces three fully regulated e-money tokens:

• EURXM — A Tokenized Euro

EURXM is designed as a 1:1 tokenized version of the euro, backed fully by fiat reserves. It targets everyday payments, treasury management, and Web3 integrations, with each token matching one euro held in custody.

• USDXM — A Compliant Dollar Stablecoin

USDXM mirrors the same model but tracks the U.S. dollar at a strict 1:1 ratio. It is designed for merchants and enterprises that require a dollar-pegged asset compliant with MiCA’s rules. The token integrates directly with xMoney’s payment products, facilitating smooth conversions between euros, dollars, and crypto assets.

• RONXM — The First Regulated Romanian Leu Stablecoin

RONXM will be the first MiCA-regulated stablecoin backed by the Romanian leu (RON). It allows users to maintain exposure to the national currency while benefiting from fast blockchain-based settlement, especially valuable for Romanian businesses seeking local-currency stability.

How the Tokens Meet Europe’s MiCA Requirements

All three stablecoins are structured as e-money tokens, meaning:

• They are fully backed by fiat reserves held by a regulated financial institution.

• Token holders maintain the right to redeem at par value at any time.

• Independent auditors will conduct regular reserve checks to verify that the number of tokens in circulation never exceeds the fiat reserves supporting them.

xMoney also highlights adherence to MiCA’s governance, compliance, AML rules, and strict client-fund segregation requirements. The company recently strengthened its market presence with a new partnership with Domino’s Pizza.

Integration Into xMoney’s Payment Products

xMoney emphasizes that these stablecoins are built for utility, not speculation.

Upon launch, EURXM, USDXM, and RONXM will be integrated into the xMoney payment gateway, enabling merchants to accept digital payments in any of the three tokens while receiving settlement in their preferred currency. The stablecoins will operate in the background, while merchants retain a familiar payment experience.

xMoney also plans to:

• Link its payment card to the new stablecoins

• Enable online and in-store payments, with fiat conversion happening at the moment of purchase

• Roll out support across multiple blockchain networks, beginning with a fast, low-cost infrastructure before expanding to additional systems including MultiversX

• Encourage adoption across Web3, including DeFi protocols, institutional treasury tools, and wallet providers

The tokens are positioned to act as foundational building blocks for broader digital finance applications.

What the Launch Means for Europe’s Stablecoin Market

The launch comes as MiCA officially reshapes Europe’s cryptocurrencies and digital asset landscape. Businesses across the EU are looking for compliant issuers capable of meeting the new regulatory standards, and xMoney’s existing presence in the payments industry could help accelerate adoption.

These three stablecoins also expand Europe’s supply of regulated, euro-aligned digital assets. Until now, much of Europe’s stablecoin volume has relied on USD-pegged assets issued outside the EU. By offering MiCA-regulated euro, dollar, and Romanian leu tokens, xMoney provides alternatives designed specifically for the European ruleset, smoothing interactions with banks, accountants, and regulators.

If xMoney succeeds in combining regulatory compliance, merchant-friendly workflows, and Web3 integration, EURXM, USDXM, and RONXM could become new standards for European digital payments. They may also serve as a practical bridge between the traditional economy and blockchain applications, and all while remaining fully aligned with MiCA.