<center>![](https://steemitimages.com/DQmf4KZnLXCJga7HkxbCbMSrjY9ZKFq4UHR2Uhc6owSuZgT/image.png)</center>
I think many have already heard that the messenger telegrams in Russia are now banned. Despite all the blockages, it still works. How long? I think no one can say with certainty how long this messenger will last. But how good is the telegram? Why do we love him so much?
1. Fast;
2. Free of charge;
3. It has a lot of stickers and emoticons;
4. Many interesting chat rooms;
5. You can create your own chat or channel;
6. You can call through the telegram;
7. All messages are encrypted;
8. You can send files of any size.

Perhaps that's all I know about telegrams. But is it possible to store crypto currency or fiat in telegrams? Is it possible to buy or sell something, read books, listen to music and play games? I think that if it is possible, then it is not convenient for the crane to do it there.

I bring to your attention the decentralized messenger Xmoneta.
The goal of the messenger was the desire to translate dreams into reality. Now users are given the opportunity to communicate in chats, pay for purchases, make orders, trade with other people and much more, using just one application of Xmoneta.

### Encryption
Xmoneta certainly provides a completely secure communication. All your secret correspondence will be encrypted and unavailable to third parties. Just in the messenger you can trade the criterion or store it in the application and do not worry that you will be hacked. Since developers constantly conduct vulnerability and security tests on their site, and in the future, applications.

### Wallet
The Xmoneta wallet is not just a purse, where you can store only one or a pair of tokens.In this purse you can store any token, as well as Fiat. All new tokens are automatically recognized and added to the wallet. Opens the possibility of making deposits in Blockchain and transferring the currency among themselves. All transactions with the token (XMN) in the application are made without commission.
<center>![](https://images.golos.io/DQmZ6fQ7mnuFqQfZNpdgRvPiLqmiDjfsUKeK4EjS452N5TE/image.png)</center>
### Token
The main function of the token (XMN) is the exchange between users within the application. Also, this token can be exchanged for fiat money using a plastic or electronic card at the average rate of crypto exchanges.
A total of 1 billion tokens will be issued (XMN).
During the ICO, 250,000,000 XMN will be distributed. 750 000 000 will be reserved in the ecosystem. From these reserves, bonuses will be paid to the holders of the tokens. To pay distributors, developers will have to buy tokens from the exchange in accordance with current market prices. This will also affect the appreciation of the XMN currency.

### At the moment, the final round of the ICO is taking place, which began on April 9, 2018 (12:00 GMT) until April 30, 2018 (12:00 GMT)

XMN is a utility token that manages the ecosystem. Therefore, as a utility token, XMN is required to support the platform and provide its users. XMN is introduced as a form of decentralized crypto-currency, which contains the value provided by its users and the natural laws of the market. It is used as a means of interaction and transactions between various intra-platform activities, services, functions and users from around the world.

<center>![](https://images.golos.io/DQmTEQVLRq5Ch2eUdL5CFG5p7GAk6VDDApwLccfgP75VJJG/image.png)</center>
Such an incentive is also necessary to keep tokens inside the ecosystem, where they have real practical value.

Developers urge users to keep tokens, and if they hold them for a longer period of time, they can receive a reward. Nevertheless, XMN can not be recognized as a valuable product with a predictable result due to market volatility, but rather a coupon form of loyalty based on a smart contract. This smart contract is realized on the basis of the growth curve of the cost of the tokens. 
If the token owner does not display his tokens for one year, he receives a bonus of 10% of the total number of tokens that he owns.

The goal of XMN is to motivate depositors to make transactions within the system. This means that Xmoneta can exist without tokens, but they are very useful and make the platform work more efficient.

There are several ways in which users can earn more XMN. They can chat, create new stickers, watch ads, etc. In other words, daily actions can be used to earn new tokens!

### Xmoneta Debit Card
With the Xmoneta debit card, you can use your funds both online and offline to purchase goods in any country.
<center>![](https://images.golos.io/DQmQ7xgXyS8Bw9GrPTWwAPTi1bwf1EtaiioCYiuR5CQJuHF/image.png)</center>
### Offline messenger!
Xmoneta has another interesting functionality. Thanks to a special module you can connect to another messenger, even if there is no Internet connection! Now you can take your smartphone on a hike, mountains, forest, tundra or cave and still be able to use the Xmoneta messenger and contact people. Xmoneta is able to work as a transponder, providing a connection between two points.

For a more detailed study of the project, please go to the links below:
<center>[WEBSITE](https://www.xmoneta.com/) | [Whitepaper](https://www.xmoneta.com/xmoneta_whitepaper.pdf) | [Annthread](https://bitcointalk.org/index.php?topic=2670189.0) | [Telegram](https://t.me/xmoneta)</center>
***
Data of the author of the article:
Bitcointalk username: Stasnislav11
Profile link: https://bitcointalk.org/index.php?action=profile;u=1210277
ETH-wallet: 0xc422A02dBE113e69Edb643dB7808b424aC15E9a7
***
Disclaimer - the author does not bear responsibility and does not provide guarantees in connection with the publication of facts, data, results and other information.