Xmoneta Token(XMN) is a decentralized cryptocurrency for any kind of transactions between the members of the community. Issued tokens are associated with supported by messenger VISA/Master Card, 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.The main goal of Xmoneta Messenger is to bring together many opportunities in a single place.One can chat, call, buy goods at online marketplace, pay bills and even send multiple currencies with the Xmoneta Messenger. We are creating a universal application that gives its users opportunity to do multiple things together with communication. We have another approach, using the Blockchain as the main technology and developing secure, centralization free and completely private messaging all in one application.