The xMoney Rewards program has two parts. XMN Rewards gives you XMN tokens based on your payout volume. Merchant Discounts reduces your settlement fee based on how much XMN you have staked. Both run automatically and are visible in the Rewards section of your Merchant dashboard.

Every time you receive a payout, xMoney automatically uses a portion of your settlement fee to buy XMN tokens on your behalf. The tokens go straight to your Rewards balance and unlock over time, ready to withdraw to your wallet.

The share of your settlement fee that gets converted into XMN depends on your total payment volume over the past 30 days. Higher volume means a bigger share.

Good to know:

Your tier is based on your net volume over a rolling 30-day window.

XMN you earn through payouts is locked for up to three months. Once a batch unlocks, it moves to your Unlocked balance and you can withdraw it to your wallet at any time. Your dashboard shows the status and unlock date of every batch.

Stake XMN and get a direct discount on your settlement fee. The more XMN you have staked, the higher the discount. It applies automatically on each payout, up to a monthly cap.

Monthly caps:
​

Your active discount tier is based on your staked XMN balance over the past 30 days. Every day, xMoney takes a snapshot of your total staked balance across all your registered wallets. Your tier is then calculated from the median of those 30 daily snapshots: the middle value when all 30 balances are sorted from lowest to highest.

This means your discount reflects a sustained staking position rather than a single-day balance. Short-term changes to your staked amount will not immediately affect your tier.

You can register more than one wallet in your merchant dashboard. Staked balances across all registered wallets are combined when calculating your tier. You can also set a default wallet for XMN reward payouts.

Each tier has a monthly cap on total discounts. Once you hit your cap, no further discount is applied until the following month.

If a discount would take you over your cap, only the remaining amount is applied. For example: your cap is €125, you have already received €120 in discounts this month, and your next payout would generate a €12 discount. In this case, only €5 is applied.

When you choose to unstake XMN, a 10-day cooldown applies before the tokens are released. During this period they are no longer counted as staked, which may affect your tier over the following 30-day window. Plan ahead if you want to maintain your current discount tier.

XMN Rewards do not change your payout amount. Merchant Discounts reduce the settlement fee you pay, so you keep more of each payout.

Yes. The two programs run independently. You earn XMN on every payout based on your volume, and receive a fee discount on every payout based on your staked balance. Both happen automatically.

Both tiers are visible in the Rewards section of your dashboard, along with current thresholds, your rolling volume and your staked balance.

Your XMN Rewards tier updates on a rolling basis. If your net volume falls below a threshold, your tier adjusts for future payouts. Rewards already earned at a higher tier are not affected.

Because your discount tier is based on the median of your last 30 daily staking snapshots, a single dip will not immediately change your tier. If your balance stays below a threshold over time, your tier will adjust accordingly.

Unlocked XMN is yours to withdraw at any time. Locked XMN will continue to unlock on schedule, even without new payouts. Staked XMN can be unstaked at any time, with the standard 10-day cooldown.

Yes. If you prefer not to receive rewards or discounts, contact support. Any XMN you have already earned will remain yours.

No. XMN is a token and its price can change over time. The EUR equivalent shown in your dashboard reflects the current market price.

Questions about your rewards, discount tier, unlock dates or withdrawal options? Contact our support team at [email protected].