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![CryptoJournaal Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1159541595357831170.png) CryptoJournaal [@CryptoJournaal](/creator/twitter/CryptoJournaal) on x 18.5K followers
Created: 2025-04-20 08:49:50 UTC

#xMoney ( $UTK ) - #Roadmap

[ #Update: April 2025 ]

📜 Past: From UTRUST to xMoney (2017–2022)

🔹 2017: The founding of UTRUST

🧾 UTRUST was launched as a crypto payment platform focused on secure and fast transactions. The goal? To bridge the gap between traditional e-commerce and the emerging world of digital currencies.

#CryptoPayments

🔹 2018: ICO and initial adoption

💸 $UTK was introduced via a successful Initial Coin Offering (ICO). The team raised over $XX million to build the foundation of the platform. The first merchant integrations followed quickly.

#TokenLaunch

🔹 2019–2021: Growth and partnerships

🛍️ UTRUST expanded its network and partnered with major e-commerce players like MoreFrom and Alternative Airlines. $UTK was used both as a loyalty token and a method for fee reduction.

#RealUseCases

🔹 2022: Acquisition by Elrond (MultiversX)

🤝 A milestone: UTRUST was acquired by Elrond (now MultiversX). The focus shifted to speed, scalability, and Web3 integration, laying the groundwork for a broader rebranding.

#Web3Commerce

⚡ Present: xMoney in transformation (2023–2025)

🔹 2023: From UTRUST to xMoney

🔄 Rebranding to xMoney, with full integration into the MultiversX ecosystem. The new vision: the Web3 payment network for the future of money.

📲 UTK received new use-cases: staking, cashback rewards, and a central role within the xPortal payment system.

#Rebrand #UtilityToken

🔹 2024: xMoney Go & xMoney Merchant

🏪 Introduction of two powerful products:

xMoney Go: peer-to-peer payments via wallet-to-wallet transactions.

xMoney Merchant: crypto payments for webshops, plug-and-play via APIs & plugins.

The network now supported >100 cryptocurrencies and was active in over XXX countries.

#PaymentsEverywhere

🔹 April 2025 (now): Scalable infrastructure and adoption boost

📈 The platform processes millions in volume monthly. New integrations with Shopify and WooCommerce drive adoption.

🔧 Technological updates:

🔗 Full EVM compatibility via MultiversX

💳 Launch of the xMoney Virtual Card (powered by UTK)

🛡️ New fraud prevention and escrow mechanisms

$UTK is currently usable for fee reductions, rewards, and as a gas fee on network transactions.

#MassAdoption #FinTech #MultiversX

🚀 Future: Vision and strategy (2026–2030)

🔹 2026–2027: Integrations and regulation

🌍 Expansion into regulated markets, including licenses in Europe and Southeast Asia. xMoney is expected to seek collaboration with banks and fintechs.

#RegTech

🔹 2028–2029: Stablecoin-based payments

🪙 Integration of xEURO and other stablecoins to bypass price volatility. This opens doors for adoption in B2B sectors such as logistics and digital services.

#StablePayments

🔹 2030 and beyond: Web3 as the norm

🔮 xMoney aims for a future where crypto payments are seamless, cheap, and universally available — from virtual worlds to physical stores.

UTK may evolve into a governance token, allowing holders to vote on roadmap items and ecosystem funds.

#Web3Finance

🔑 Key milestones summarized

📌 Past:

Founding as UTRUST (2017),

ICO (2018),

Acquisition by Elrond (2022)

📌 Present:

Rebranding to xMoney,

Full integration into MultiversX,

Growing network of merchants and users (2025)

📌 Future:

Stablecoin adoption,

Further geographic expansion,

Governance via $UTK

🔍 Factors influencing the roadmap

✅ Positive:

🔸 Web3 adoption,

🔸 Integration with e-commerce platforms,

🔸 Regulatory clarity in Europe

⚠️ Challenges:

🔸 Volatility of crypto markets,

🔸 Competition from traditional payment providers,

🔸 User education

xMoney and $UTK are well-positioned to play a key role in the future of global payments – from shopping carts to the metaverse.

#xMoney #UTK #Web3Payments #CryptoAdoption #MultiversX

🛒 Want to buy $UTK yourself?

$UTK is easy to buy on #Bitvavo:

✅ Over XXX #Altcoins available

✅ Up to €100,000 #AccountGuarantee

✅ Registered with De Nederlandsche Bank (#DNB)

✅ Sign up via the link below and trade up to €10,000 completely #Free!

🔗

#CryptoJournaal #AltcoinPedia #Bitcoin #Crypto #Exchange

📚 Handy resources and extra info:

Want to dive deeper into the world of #xMoney or looking for the latest updates and developments?

These links help you stay informed at all times:

🔹Official Website:

🔹Telegram:

🔹X (Twitter): @xMoney_com

#CryptoResources #StayInformed

⚠️ Important note:

🔹 This post is intended purely for educational purposes and is not financial advice!

🔹 Only invest what you are willing to lose:

#Crypto investments can be volatile, and you may lose part or all of your investment.

🔹 Always do your own research (#DYOR):

Do thorough research on #crypto-assets, platforms, and wallets before investing.

🔹 Understand the risks of volatility:

The value of #cryptocurrencies can change quickly, so be prepared for price fluctuations.

🔹 Store your private keys safely:

Losing your private keys may result in the loss of access to your crypto-assets.

🔹 Use reliable platforms:

Ensure you trade crypto via reliable and regulated exchanges or wallets that meet necessary security standards.

#CryptoRules #CryptoSafety #CryptoRisks #Dyor

![](https://pbs.twimg.com/media/Go91MTmXsAADWCT.jpg)

XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1913877758498709719/c:line.svg)

**Related Topics**
[roadmap](/topic/roadmap)
[utk](/topic/utk)
[adoption](/topic/adoption)
[currencies](/topic/currencies)
[world of](/topic/world-of)
[ecommerce](/topic/ecommerce)
[$utk](/topic/$utk)
[xmoney](/topic/xmoney)

[Post Link](https://x.com/CryptoJournaal/status/1913877758498709719)