Xmoneta is a universal application, featuring messaging, social network and banking technologies. This all-in-one app allows its user to do multiple things: talk with friends, buy goods in the e-shops, listen music, read books, book different services and so on. Xmoneta Token(XMN) is a decentralized cryptocurrency for any kind of transactions between the members of community. Issued tokens are associated with supported by messenger VISA/MasterCard, so users can pay with cryptocurrency using virtual and plastic cards.