The XMG Digital Asset Network is a blockchain-based ecosystem designed to support stable, transparent, and secure digital asset transactions. It enables the use of tokenized assets such as USXM (USD-pegged), AUXM (gold-pegged), and AGXM (silver-pegged) for real-world and online commerce.

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.

• AUXM / AGXM: Pegged to gold and silver pricing respectively, backed 1:2 with PECU coins and designed for asset-based stability and institutional redemption options.

USXM is backed 1:1 with PECU coins. AUXM and AGXM are backed 1:2 with PECU coins. Over time, reserves of real-world assets will be transparently displayed to support the ecosystem’s credibility and security as well as redemptions.

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.

Future updates may include white-label or branded portal options, allowing merchants to incorporate their logo, colors, and custom features such as loyalty programs, discounts, or subscriptions.

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 like AUXM and AGXM 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 blockchain-based loyalty tokens into the XMG Payment Portal, as long as they are created on the Pecu Novus Blockchain. 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.

The XMG Payment Portal enables real-time, low-cost cross-border payments using XMG tokens like USXM. 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. This is especially valuable for global e-commerce, suppliers, and contractors.

The XMG Payment Portal brings modern blockchain functionality to commerce by offering faster settlements, lower processing fees, and greater payment flexibility. Whether you operate online or in physical retail, integrating XMG can enhance checkout efficiency, reduce overhead, and give customers new ways to pay using stable digital assets. It also opens up new revenue opportunities via token-based loyalty, cross-border trade, and asset-backed payment options.

XMG tokens are designed to offer both stability and transparency. To ensure this, each token is backed by PECU Coins on a fixed ratio (e.g., 1:1 for USXM, 1:2 for AUXM and AGXM). In addition, real-world asset reserves such as gold or silver would be accumulated and publicly disclosed over time. This dual-reserve model strengthens the network’s credibility and provides real asset value support for users and institutions.

To access the full suite of XMG services, including redemption and institutional participation, 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 1:1 to the U.S. Dollar pricing and backed by PECU Coins. 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 institutions that have successfully completed the KYC (Know Your Customer) process. Redemption thresholds are as follows:

• USXM: Minimum acquisition and redemption of 100,000 tokens. 

• AUXM: Minimum redemption of 96.50 & 400 tokens respectively. Minimum acquisition of 100 tokens.

• AGXM: Minimum redemption of 10,000 tokens Minimum acquisition of 5,000 tokens.

Redemptions below these minimums are not supported. For smaller transactions, exchanges that list XMG tokens in the future may provide liquidity options for individual users.

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 the XMG platform 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 Digital Asset System 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.