xMoney, previously known as Utrust, is a cryptocurrency payment platform designed to address key challenges in using digital currencies for everyday transactions. Its primary objectives include:

1. Enhancing transaction speed and efficiency
2. Reducing fees compared to traditional payment methods
3. Improving security for both buyers and sellers
4. Bridging the gap between crypto and fiat currencies

The platform offers several key features:

1. Fast and seamless transactions for both crypto and fiat currencies
2. Lower transaction fees
3. Secure purchase options for buyers
4. Refund capabilities
5. Protection for sellers against crypto market volatility

xMoney aims to create a more robust payment ecosystem by combining the strengths of blockchain technology with traditional financial systems. Through its partnership with MultiversX and advanced technological solutions, xMoney strives to empower individuals and businesses to optimize their payment processes and drive growth.

The platform's native token, UTK, plays a crucial role in its ecosystem. The UTK 3.0 tokenomics model is designed to:

1. Incentivize businesses to accept both crypto and fiat payments
2. Encourage users to make payments using the platform
3. Create a flywheel effect benefiting all stakeholders, including buyers, users, investors, token holders, and businesses
4. Promote the adoption of decentralized financial tools and currencies