# xMoney Partner Network

> One introduction. Every way money moves.

xMoney gives established digital businesses one regulated relationship for card acquiring, crypto payments, card issuing, accounts, settlement and payouts.

## Ideal customer profile

The strongest fit is a regulation-aware digital business with existing users and transaction volume that needs to embed fiat and crypto payment infrastructure without building or licensing the full stack itself.

Priority profiles:

- digital platforms, fintechs, wallets, neobanks and marketplaces;
- exchanges, wallets, stablecoin apps and Web3 businesses needing fiat access;
- luxury, travel, events, real estate and cross-border businesses adding crypto;
- companies embedding acquiring, cards, accounts or payouts under their own brand.

Poor fit includes very small or unproven volume, payment-button-only needs, unclear compliance, or attempts to avoid regulation.

## Products

- Accept crypto: checkout, payment links, QR, invoicing, on/off-ramp and fiat or stablecoin settlement.
- Accept cards: Visa, Mastercard, Apple Pay, Google Pay, subscriptions, tokenization, 3DS 2.0 and fraud controls.
- Issue cards: branded physical and virtual consumer, payout, corporate, loyalty and gift cards.
- Accounts and payouts: EU IBANs, SEPA Instant, split payments, marketplace settlement and multi-currency payouts.

## Partner model

The partner identifies a qualified prospect and makes the introduction. xMoney manages discovery, commercial terms, compliance, integration, onboarding and ongoing support.

The illustrative calculator assumes a 0.5% xMoney effective net-revenue rate and a 20% partner share. At €1 million monthly referred volume, the illustrative result is €1,000 per month or €12,000 per year. Final terms are governed by the signed partner agreement.

Contact: partners@xmoney.com