XMG Fintech is a digital asset innovator building a blockchain‑based ecosystem that bridges traditional finance with decentralized finance with a blockchain based ecosystem.  Our suite of tokens include the USXM stablecoin, Perpetual & Fixed-Term Digital Credit Note (PDCN/FDCN) tokens, physical commodity based tokens such as AUXM and AGXM, delivering transparency, digital asset liquidity, and institutional utility across the Pecu Novus Blockchain network.

XMG tokens are digital assets pegged to either fiat currencies or real-world assets pricing. For example:

• USXM: Pegged 1:1 with the U.S. Dollar pricing and backed 1:1 with PECU coins.

• PDCN/FDCN: Yield bearing tokens that issue yield hourly and backed by a smart contract locked Digital Asset Treasury.

• Real World Asset Tokens (e.g. AUXM,  AGXM, WTXM etc): Pegged to the real time global pricing of that real world asset, backed dollar for dollar with PECU coins locked in a Digital Asset Treasury and designed for asset-based stability and utilization by refineries and institutions.

All XMG Token are backed dollar for dollar with PECU coin based Digital Asset Treasuries. Regardless of accumulated reserves of fiat or other real world assets. The DAT’s are smart contract locked for the life of the XMG token.

The XMG Payment Portal is a blockchain-based payment solution for merchants. It enables businesses to accept XMG tokens as payment, offering fast settlements, lower fees, and improved transparency. It also allows for the integration of loyalty tokens for seamless integration.

Merchants can integrate the portal through:

• API Integration with custom applications.

• E-commerce Plugins (coming soon) for platforms like Shopify, WooCommerce, and Magento.

Benefits include fast transaction speeds, low fees, global accessibility, enhanced security, and compatibility with both centralized and decentralized platforms. The integration of loyalty tokens in the payment portal allows for promotions, customer retention, customer acquisition and cross marketing opportunities with other merchants.

The utilization of API’s allow for direct integration into current systems, so no need to move away from your current systems. 

PECU Coin is the native token of the Pecu Novus Blockchain and serves as part of the reserve asset backing XMG tokens, providing stability and trust to the ecosystem.

Yes. XMG tokens are designed to appeal to institutional users with transparent asset pricing and future redemption capabilities through approved channels.

XMG tokens can be used on any platform or exchange, centralized or decentralized, that integrates the Pecu Novus blockchain or supports transactions of PECU coins and tokens built on the blockchain such as USXM.

Yes. Merchants can integrate their own Pecu Novus blockchain-based loyalty tokens along side other XMG Tokens, as long as they are created on the Pecu Novus Blockchain the API’s support it. This allows for a seamless experience where customers can earn and redeem loyalty rewards directly through your checkout system, without added infrastructure or third-party costs. It enhances customer retention while modernizing your loyalty strategy.

XMG Fintech enables real-time, low-cost cross-border payments using XMG tokens such as USXM stablecoins. Because XMG tokens are blockchain-based and pegged to fiat or real-world assets pricing, businesses can send and receive value across borders without currency conversion fees, lengthy banking delays, or excessive third-party costs. 

XMG Fintech brings modern blockchain functionality to commerce by offering faster settlements, lower processing fees, and greater payment flexibility via APIs directly integrated into existing systems. Whether you operate online or in physical retail, integrating XMG can enhance checkout efficiency, reduce overhead and give customers new ways to pay using USXM stablecoins and other XMG tokens, even with the ability to be a distribution point to increase revenue streams for your business.

XMG tokens are designed to offer both stability and transparency. To ensure this, each token is backed by PECU Coin backed Digital Asset Treasuries on a dollar for dollar basis.

XMG Fintech only onboards institutional customers. This allows them to access the full suite of XMG services, tokens, APIs etc.

XMG Fintech does work with merchants, remittance companies and payment processors. To allow them to onboard XMG Tokens seamlessly and cost effectively.

Customers must complete a registration and verification process:

• Registration Fee: A one-time, non-refundable cost of 100 USXM is required. This fee may count toward future redemptions for approved users.

• Verification: All users must undergo KYC (Know Your Customer) due diligence. This verification process adheres to global compliance standards and may take several days to a few weeks, depending on documentation and review timelines.

Yes. The XMG ecosystem includes a token burn mechanism to help manage the supply of authorized tokens. In the future, tokens may be permanently removed from circulation (burned) as part of the redemption process and reserve rebalancing. 

USXM tokens are a stablecoin that is pegged to U.S. Dollar pricing and backed by dollar for dollar by a PECU coin based Digital Asset Treasury. This means its value is not subject to the dramatic price swings seen in many traditional cryptocurrencies. Users can transact, store value and make cross-border payments with confidence, knowing that the value of their USXM remains consistent and transparent.

No, XMG is not a wallet service. It is a digital asset network and payment infrastructure. XMG relies on the Pecu Wallet and other compatible wallets that support digital assets built on the Pecu Novus Blockchain. Users can store, manage, and transact XMG tokens using these third-party wallet solutions.

Yes, but only for verified institutional customers that have successfully completed the KYC (Know Your Customer) process.

The verification process is a standardized compliance procedure implemented to ensure adherence to legal and regulatory requirements related to Anti-Money Laundering (AML), Know Your Customer (KYC), and Counter-Terrorist Financing (CTF) protocols.

Yes, XMG does accept Bitcoin (BTC) and Ethereum (ETH) in exchange for XMG tokens such as USXM, AUXM, and AGXM. These conversions may be facilitated directly through XMG for verified customers.

Yes. XMG operates with a strict commitment to global compliance, transparency, and security, which includes adherence to international sanctions and regulations. As such, the XMG Tokens cannot be used by persons or entities domiciled or residing in the following jurisdictions:

• Canada

• Cuba

• Democratic People’s Republic of Korea (North Korea)

• Iran

• Pakistan

• Singapore

• Syria

• Government of Venezuela

• Crimea region

In addition, U.S. persons are restricted from using the system for redemptions or acquisitions, unless they are designated Eligible Contract Participants (ECPs) under U.S. law. ECP status is typically reserved for institutions and individuals with significant financial assets and the ability to participate in complex financial transactions.

Perpetual Digital Credit Note (PDCNs) and Fixed‑Term Digital Credit Note (FDCNs) tokens are blockchain‑based instruments that tokenize credit, enabling institutions to access Digital Asset Treasury locked yield bearing instruments.  PDCNs provide ongoing, flexible credit exposure, while FDCNs deliver structured financing over defined terms and maturity dates.