Xmoneta

What is Xmoneta.com

It is not by chance that we use mysterious ‘X’ in the name of our project. X is something unknown, while ‘moneta’ is Latin word, which means ‘money’. So, we intentionally use references to the cryptocurrency. Xmoneta is the next step after two technological revolutions.

We create the world’s first decentralized all-in-one Encrypted Messenger for social and business communication. Unlike such kind of giants like Facebook and WhatsApp, Xmoneta has absolutely different principles and philosophy. It allows its users to satisfy their daily interests. The main concept of Xmoneta is completely mobile lifestyle, free from any borders.

Highlights of Xmoneta

+ All-in-one

Our goal is creating the universal application that gives its users opportunity to do multiple things together with communication. With Xmoneta it is possible to talk with friends, buy different stuff in the e-shops, listen music, read books, order food, taxi and so on.

What is more important, you can use your messenger as the wallet for multiple types of currency. Don’t need to waste your device memory by downloading multiple apps for different purposes. Don’t need any more to waste your time to use different sources and wallets to transfer and exchange different type of currency.

With Xmoneta, you can create deposits on the blockchain, transfer cryptocurrencies and money to each other on the VISA/MasterCard and/or the crypto-wallets.

It does not matter, where you are right now. All you need is your smartphone with the Xmoneta app inside to complete the payments without distracting from the messaging. Our application has such kind of features like Quick Pay, QR Code Payments, In-App Web-Based Payments, and Native In-App Payments. In other words, it has all necessary features for different payment cases.

In the plans for the future, we are creating a completely decentralized autonomous ecosystem, that unites all the participants of the financial market. We see the future, where people can consume, create and regulate distributed services and products in one decentralized Messenger Bank, where all the processes are based on smart-contracts.

+ Secure communication

Xmoneta features special decentralized messaging backbone, allowing anyone and anywhere the opportunity of secure messaging, as well as
conducting different multi-channel transactions. Messenger uses secure decentralized protocol for transferring messages. This protocol is secured across such kind of channels as:
1)Transport protocol.
2)Encryption of messages via various application protocols.
3)Customized blockchain implementation of message deconstruction and reconstruction, and decentralized ledger implementation.

+ Flexible wallet

Currently, there are already almost 300 different Ethereum-based tokens, but it is not a limit. All the new Blockchain tokens are automatically detected by the wallet and immediately integrated into it. Our goal is to manage all the possible tokens within one wallet, without installing different apps for each digital currency. If before you needed to handle many different wallets, now you have the only one for all the cryptocurrencies and internal hybrid exchange to convert them.

+ Availability for every device

Xmoneta is available for every type of device and OS, whether Windows, Mac, Linux, iOS, Android or Windows Phone. Whatever you use, all the Xmoneta features (file search, messages, team directory, filtering and so on) will be available !

Why Xmoneta?

First of all, Xmoneta does not seek for domination and does not use highquantity strategy. We have absolutely another philosophy. Instead of following temporal trends of present days, we look to the future. We believe that quality is more important than quantity, so our goal is absolutely different. Our goal is to create a user-friendly, comfortable and secure platform for communication, trading, advertising, and buying. Everything for our daily needs is here in this compact application. Xmoneta is like one big universe within one small smart device.

The application, useful both for the entertainment and serious business, both by casual user and companies — that’s all about Xmoneta. Xmoneta provides you the opportunity to pay and collect your funds in one internal wallet. Unlike Google Plus wallet, we offer you a wider choice of currencies. You can store both traditional and cryptocurrencies within your Xmoneta Wallet, easily exchange them and instantly transfer them to your credit or debit card.

We strongly follow the philosophy of the Crypto Decentralist Manifesto. Our main values are Openness, Clearness, and Freedom. We respect your right to privacy, clear and fair trading. We reject any attempts to control your life and finances by large centralized systems, unlike most of the mainstream messengers.
Xmoneta does not undermine your privacy, does not collect your personal data and does not spy on you.
All the messages and transactions are 100% encrypted, cannot be hacked or used by third parties against you.

+ Against centralization

We have another approach, using the Blockchain as the main technology and developing secure, centralization free and completely private messaging application.

Xmoneta target audience is much wider than experienced users, who already know about cryptocurrency. Our goal is to involve everyone into Ethereum world, whether companies, experienced cryptoanarchist or just casual smartphone users — everyone is welcome! Our application is supposed to be easy, user-friendly all-in-one crypto-messenger for the general public.

+ Xmoneta for users

Modern smartphone owner is used to comfortable lifestyle, and that’s why our priority is to make maximum easy, reliable and user-friendly interface, allowing its users to do everything: chatting, messaging, having video calls, sending voicemails, sending emoticons and stickers, booking different services, buying goods and interacting with businesses.

+ You can create a nickname and people will be able to find you, even if they don’t know your phone number and you want to be finded.
 + Multi-search allows you to find everything in one field with instant result.
 + Thanks to the autosave function, you can always be move from writing a message and then come back to the draft version of it.
 + You can edit or delete your message on the recipient side after it has been sent. It is possible to do during 2 days after sending.
 + Choosing the certain message to answer.
 + Hashtags function.
 + You can mute notification for certain user or group.
 + Blacklists/ Text formatting.
 + You can send any file up to 1,5 Gb in any amount.
 + In case of broken connection, you can always resume your downloads from where they were left off.
 + Unlimited cloud storage with the opportunity to sort files by categories
 + Secret chat mode with end-to-end encryption. Messages are not decrypted by servers and saved on the interlocutors’ devices only.

+ Xmoneta for businesses

You can use a business account to promote your project and startup, search and attract new subscribers, redirect users from Xmoneta to your project/company webpage. There are 3 types of Xmoneta accounts: subscription, service and enterprise account.

The difference is between the opportunities, which these accounts can give you. Using subscription account, you will be able to post and share publications with other users more than once a day, while with service account you can do it just 4 times per month. Subscription accounts have their own special folder in the app, while service ones are in the common friend-list. Service account has much wider usage. Thanks to extended API, it can be turned into a shop, online booking page etc.

If your goal is just a daily communication with subscribers and sharing the content, then subscription account is your choice. But if you want to use Xmoneta account to make online shop or booking system, then service account would be the best one. Everything depends on your priorities.

About the Ecosystem

Xmoneta Token(XMN) is a decentralized cryptocurrency for any kind of transactions between the members of the community. Issued tokens are associated with the messenger supported VISA/MasterCard, so users can pay with cryptocurrency using virtual and plastic cards. Conversion course will be pegged to the middle rate, used on exchanges trading. The token owners will be able to buy using XMN without the cashing out.

XMN is only internal currency, used within the Xmoneta ecosystem, and tokens’ amount is limited to 1 billion XMN. Due to this limitation, the customer gets big discounts, great bonuses from our partners, excellent technical support, and free plans. The more XMN is used within the ecosystem, the less will be a number of tokens in exchange. What does it mean? It means that cost of currency will increase!

There are several factors, influencing on the token’s value. The first factor is the supply and demand on the cryptocurrency exchange. The second one is the popularity of the project. Themore people will join us, the higher cost of XMN will be. Since the beginning, there will be exactly 1 000000000 tokens in circulation and no more. In order to pay our distributors, we will have to buy back from exchanges according to the current market prices.It will influence the growth of currency value. Xmoneta will organize token-sale to speed up the project development.

The goal of XMN is to motivate our contributors to make a transaction within the system. It means that Xmoneta can exist also without the tokens, but still, they are very helpful and make the work of our platform more efficient. There are also different ways how our users can earn more XMN. They can chat, make new stickers, watch the advertisement and so one. In other words, daily actions can be used for earning new tokens!
Based on all the Ethereum standards, XMN is completely tradable, i.e. you can exchange XMN to euros, dollars, rubles and any other fiat currencies, as well as DASH, BTC and so on. The larger our community will be, the more expensive will be token’s price, so in future, the token sale is supposed to be profitable.

Xmoneta ICO

An Initial Coin Offering, also commonly referred to as an ICO, is a fundraising mechanism in which new projects sell their underlying crypto tokens in exchange for bitcoin and ether. It’s somewhat similar to an Initial Public Offering ( IPO ) in which investors purchase shares of a company.ICOs are a relatively new phenomenon but have quickly become a dominant topic of discussion within the blockchain community.

Initial Coin Offerings (“ICOs”) have quickly grown to account for more startupfunding in blockchain-based companies than all of Venture Capital. Nearly $2.3billion has been raised to date in ICOs, with the large majority of that takingplace in the first half of 2017.

The massive increase in the value of the cryptocurrencies significantly contributed tothe growth of the ICO market during the last year. The market capitalization of all cryptocurrency has risen from $7 billion in January of 2016 to over $130 billions in September 2017.

Bitcoin has appreciated nearly 30X since September of 2013 ($135 USD perBitcoin), reaching over $9,000 per Bitcoin in November of 2017. In part, this isdue to Bitcoin’s role as the most widely known, used, and acceptedcryptocurrency for payments.

Several projects used a crowdsale model to try and fund their development work in 2013. Ripple pre-mined 1 billion XRP tokens and sold them to willing investors in exchange for fiat currencies or bitcoin. Ethereum raised a little over $18 million in early 2014 — the largest ICO ever completed at that time.

Never before have pre-product startups been able to raise this much money and in this little time. Aragon raised around $25 million in just 15 minutes, Basic Attention Token raised $35 million in only 30 seconds, and Status.im raised $270 million in a few hours.

With Xmoneta your smartphone will be integrated into Ethereum Ecosystem, becoming the part of the global decentralized network. No matter, where you will be — you can access it from every part of the world. We see ourselves as the architectors, making the one encrypted bank, implemented in the decentralized messenger application. Our mission is to make both fiat and cryptocurrencies easy accessible for the vast majority of people, as well as create the multiple international connections all over the world.

Xmoneta offers a unique opportunity to buy and sell digital tokens within the messenger, exchange them and withdraw on credit card or bank account. Transfer and exchange never were so simple! Both individuals and businesses have the opportunity to join the Xmoneta financial processes, sell and buy cryptocurrencies, manage your money and feel safe

While most of the messengers use the same ways of monetization (often with using personal data), we choose our own path. We are making money by:
+ Commission from interbank transfers,
+ Commission from Transfers of cryptocurrency inside the Xmoneta wallet, FREE transfers to XMN,
+ Commissions for transfers of international and national payment systems (Visa, MasterCard, China UnionPay, American Express, etc.),
+ Commission from donations, used by our bloggers and other creative personalities,
+ Cash backs from purchases made on our marketplace, circulation of cryptocurrency within the messenger,
+ Cash back from offline and online stores for each purchase using the application,
+ Commission from paid chats and advertisment.

Xmoneta features special programs, monitoring all the exchange activity. In case of any suspicious activity, the system tracks it and blocks immediately, so any possible problem will be nipped in the bud. Unlike centralized banks, we do not have any power over your funds. Here you are the only master of your money. Our bank combines the most modern banking systems, internet of things features and Blockchain technologies. And all this according to the highest standards of the convenience and security. We strongly adhere to the principle of API openness and apply the most innovative technologies of data processing and e-payment.

Xmoneta (XMN) Utility Token

XMN is a utility token that drives the ecosystem. Therefore, as a utility token, the XMN is needed to sustain the platform and make it easier for its users. XMN is introduced as a form of decentralized cryptocurrency, which holds the value given by its users and natural laws of the markets. It is utilized as a means of interaction and transaction between the various in-platform activities, services, functions, and users from all around the world.

Outside the platform, the Xmoneta tokens hold no functional value that can be utilized only within the ecosystem. While as the ERC20 protocol based tokens, they are tradable. To make the exchange even more accessible for the users, it is inbuilt as a part of the platform, where people can get their XMN with the multiple currencies both crypto and fiat. Such incentive is also necessary to keep the tokens inside the ecosystem, where they hold their real practical value. Besides the functional value of the XMN tokens, they cannot be used as a security or as equity and they don’t give any shares or votes in the company or the platform

The platform provides many options and bonuses to its users for their activities that are self-sustaining. We encourage users to hold the tokens and if they keep them for a longer period of time locked, they can get the rewards. Yet the XMN can’t be recognized as the store-of-value with a predictable result, because of market’s volatility, but rather a form of loyalty coupon based on the smart contract. This smart contract gets implemented on the basis of the token value growth curve.

Token Holder Bonus

For the people who stay loyal to the Xmoneta ecosystem by holding their tokens will receive a special Token Holder bonus. Our policy is to keep up the system operational with its natural XMN tokens on board. Token Holder Bonus is a form of loyalty coupon that gets activated via smart contract.

If the token holder hasn’t withdrawn his tokens for one year, he/she will receive a + 10 % bonus from the total amount of the kept tokens. If the person has traded his tokens and doesn’t hold any native XMN tokens, he/she will not receive any bonus.The Token Holder Bonus is measured with the growth value curve of the token price.

This curve is a result of market functioning and subjective evaluation of the token value. Tokens will be a great utility to use in the ecosystem, but when traded outside will have no its functional purpose. If kept long enough, their added value and applicability will only grow. Therefore, we offer this possibility for our loyal users in a form of loyalty coupon. We recognize that this mechanism is similar in form to the dividend payments, while it doesn’t give any stabule shares of the company or the platform.
It is a way how we reward the dedicated loyal people, who want to grow together with us and the maturity of the ecosystem.

Token sale/distribution

Bonus up to 50% Invest more than 5ETH in one transaction and get extra bonus (additional) + 20 %!
XMN — Xmoneta token symbol
XMN is based on ERC20 Ethereum token standard
Token price: 1 ETH = 2000 XMN
Total supply: 1 000,000,000 XMN
XMN Token Sale Pre ICO: 5% — 50 000 000
XMN Token Sale ICO: 20% — 200 000 000
XMN for messenger ecosystem, rewards, bounty, affiliate: 70% — 700 000 000
XMN for team, advisors, community, initiatives, etc: 5% — 50 000 000
ICO Soft cap 1000 ETH
Pre ICO cap 16000 ETH
ICO raund A cap 35000 ETH
ICO raund B cap 38000 ETH
ICO Hard cap 89000 ETH
Legal qualification ; Utility token
GAS limit: 300 000
Accepted crypto currencies — Ether ( ETH )
Minimum Investment: unlimited but recommended 0.1 ETH
Amount of tokens per one person: unlimited
Maximum transaction amount: unlimited
All unsold tokens will be burned

Team

Details information ICO

Website: https://xmoneta.com/
Facebook: https://www.facebook.com/xmoneta.xmn
Twitter: https://twitter.com/xmoneta_xmn
Telegram: https://t.me/xmoneta_community
ANN: https://bitcointalk.org/index.php?topic=2670189.new#new

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Eth:0x42F510e1456CFf564EC695d1c0056E819933e26c