xMoney

xMoney (XMN) presents a sharp dichotomy between its institutional-grade operational strength and its highly concerning tokenomics. On the positive side, the project is backed by a stellar team with deep regulatory experience (MiCA compliance), strong funding ($21.5M led by Sui Foundation), and a clear pivot toward the high-performance Sui ecosystem. The security and governance scores are excellent, reflecting a legitimate fintech business rather than a speculative crypto startup. However, the investment case is severely handicapped by the restructuring of the token economy. The migration from UTK to XMN involves a 10x supply expansion and massive dilution for holders, creating a significant 'Fully Diluted Value' overhang where 95% of the supply is not yet circulating. While the business is likely to thrive, the token structure creates immense sell pressure and centralization risks that may suppress price appreciation in the medium term.