Crypto-banking & Business
Tokenization Ecosystem

XIXOIO is a new ecosystem for co-operation between banks, companies and blockchain solutions.
One of the first modules is IPCO, allowing established companies to issue security tokens in exchange for growth capital.

Frequently Asked Questions

General information
What is XIXOIO?

XIXOIO is an ecosystem for crypto assets, banking and fintech solutions on Blockchain. The main goal is to provide a comprehensive solution for raising capital for companies. To achieve this plan, XIXOIO is creating a certified tokenization process – IPCO (Initial Public Coin Offering).

What is the difference between XIXOIO and other tokenization platforms?

XIXOIO is the first platform to offer a complete certified process for tokenization – IPCO. This means that as a company you will have much less burden with raising capital. Other tokenization platforms provide only a fraction of services that are needed.

What is IPCO?

Initial Public Coin Offering (IPCO) is a certified process of initial public offering of tokens, where an existing company offers its tokens to investors for investment. The goal of the IPCO process is to acquire capital for further development of the company. More information in the XIXOIO White Paper, section IPCO.

Do you have a prototype or a working product?

Yes, to fully cover a variety of needs for our clients XIXOIO platform develops and manages multiple modules. Some of these modules have already launched an MVP, others will be launched soon. Up to date information about the product development status can be found on our product page.

Who are the people behind XIXOIO?

From 2014 to 2017, company founders, Richard Watzke and Nikolay Rozhok, participated together in the management and development of MoneyPolo, which specialized in global cash remittance and held a payment institution license. After less than a decade from its founding, MoneyPolo achieved an annual turnover in billions of euro and served hundreds of thousands of clients. After an agreement with stockholders, Richard and Nikolay left MoneyPolo and founded XIXOIO.

What kind of companies can use IPCO tool to raise capital from investors?

We are very selective with companies that are aiming to tokenize their business. Foremost we focus on real businesses that are already generating revenues and have a trackable, profitable history. Your company needs to be financially stable and needs to have a realistic plan how to use the funds from the IPCO. We will be conducting thorough due diligence of all tokenized companies. If you are interested in tokenizing your company, please fill in the form on page.

What is crypto-banking?

Merging of traditional and proven banking standards with new, progressive, and flexible aspects of crypto assets.

XIXOIO token sale
What is the role of the XIX token?

XIX is a security token based upon the ERC-20 standard. The purpose of the token is to raise funds, by means of the IPCO process. More information can be found in the token paper (provided on request – contact us at

How can I participate in the XIXOIO token sale?

Private token sale has been already launched. If interested, kindly fill the form and we will contact you.

When will XIX tokens be transferable?

Tokens will be transferable within 30 days after the last round of token sale is finished.

What is blockchain?

A blockchain is a decentralized, globally shared and transparent database. Within the blockchain, all transactions and balances on individual addresses are traceable. With the help of the so-called blockchain explorer, you can validate balances at your addresses, track confirmation of entered transactions, etc. The blockchain of decentralized cryptocurrencies (e.g. Bitcoin, Ethereum) does not have a central administrator but is run by a community of so-called miners and software clients (full node).

What is a token?

Cryptocurrency tokens are accounting units existing on a blockchain (a decentralized, shared database). Unlike cryptocurrency, tokens do not have their own blockchain, but they act as an affiliated project of an existing cryptocurrency. A typical example is tokens that originate from the Ethereum platform that allows anyone to create their own tokens. Ethereum-based tokens (such as the ERC-20 standard – as will the XIXOIO token be) can be kept on Ethereum addresses and are supported by an ecosystem of established wallets, including hardware wallets (Trezor, Ledger). When sending tokens of the Ethereum platform, it is necessary to have small amount of ether cryptocurrency (ETH) available to pay a transaction fee to the platform.

What does tokenisation mean?

Tokenisation is a process where a company’s liabilities are transformed into tokens. These tokens can be bought by investors and sold on secondary markets or exchanged for other crypto assets. For more details regarding the tokenization please check our XIXOIO White Paper.

Where is the company based and what is the corporate structure of XIXOIO?

XIXOIO Ltd. was established in 2017. The XIXOIO platform is being built by a subsidiary company, XIXOIO IPCO a.s., which is based in Prague. As of October 2018, XIXOIO group has 53 employees with main offices in the Czech Republic.

Which licenses do you currently have?

Partners of the XIXOIO platform possess credit union, payment institutions and issuers of electronic money licenses. We are in the process of acquiring a banking license in EU country.

Which jurisdictions are excluded from participating in the XIXOIO IPCO?

Unfortunately, we have to exclude following countries:
The United States of America, including Puerto Rico, the Virgin Islands and other territories in the possession of the United States of America; Republic of Singapore, Hong Kong, People’s Republic of China, Japan, Kingdom of Thailand, Islamic Republic of Afghanistan, Bosnia and Herzegovina, Central African Republic, Republic of Cuba, Democratic Republic of the Congo, Democratic People’s Republic of Korea, Eritrea, Republic of Guinea-Bissau, Islamic Republic of Iran, Republic of Iraq, Libya, Republic of Lebanon, Somali Federative Republic, Republic of South Sudan, Republic of Sudan, Republic of Syria, Republic of Uganda, Republic of Vanuatu and Republic of Yemen


Tokenization process

Bussines accounts

AML compliance

Fiat-crypto gateway

Banking solution

Payments card

Legal services

Safekeeping & Custody


Stock exchange

Advocacy & Lobby