XION MetaBank™

XION MetaBank is currently in a development and pre-authorization stage. At this time, no financial, banking, or crypto-related services are offered to clients. The project is being built under XION Cognitive Ecosystem LLC (formerly REITX LLC), which operates as a global holding structure. The legal roadmap of MetaBank is centered on obtaining the regulatory approvals that are essential for the safe and lawful provision of financial services. The first milestone is the acquisition of a Banking-as-a-Service (BaaS) license, which enables us to operate in cooperation with licensed financial institutions and to issue digital payment cards. This license forms the legal foundation for MetaBank to begin client-facing activities in full compliance with supervisory expectations. Parallel to this, MetaBank is pursuing authorization under the Markets in Crypto-Assets (MiCA) Regulation within the European Union. This step is crucial to ensure that any digital asset services provided by the project are aligned with the most advanced European regulatory framework for crypto markets. Until this approval is granted, no crypto-related services are provided. The project’s development path is therefore clear: BaaS licensing to establish the legal infrastructure for banking and payment services. Card-issuing authorization to enable digital and physical payment solutions. MiCA authorization to ensure full compliance for crypto-asset operations within the EU. MetaBank’s commitment is to operate with 100% regulatory synergy both locally and globally. This means that the project will only become client-facing after the required licenses are granted. In the meantime, all work is focused on building a secure, transparent, and compliant ecosystem that will redefine the financial sector once fully authorized.

XION MetaBank is being designed not as a traditional financial institution, but as a community-driven bank of the future. Our vision is that every client is also, in essence, a stakeholder — building a financial system where participation naturally translates into ownership. This approach redefines the relationship between institutions and individuals, moving away from the one-sided model of legacy banks toward a shared ecosystem of mutual growth. One of the core innovations will be the redefinition of lending and credit. Instead of centralized processes burdened by intermediaries, MetaBank aims to introduce ecosystem-based peer-to-peer lending solutions. Once the appropriate authorizations are secured, these mechanisms will make lending faster, more transparent, and more accessible for all participants. Furthermore, MetaBank is actively developing a Web3-based deposit insurance module, built entirely on proprietary technology. This system is intended to be patented as a groundbreaking model, ensuring that client deposits are not only protected but elevated to a next level of financial security. By integrating blockchain transparency with institutional safeguards, MetaBank seeks to offer a security standard that surpasses conventional deposit protection.

XION MetaBank is more than a financial project — it is part of a societal transformation. Our mission is rooted in the principles of digital humanism, where technology serves people rather than the other way around. We recognize that the systems of today are unsustainable, and the true progress of tomorrow requires not incremental change but a fundamental rethinking of how finance and society intersect. The journey has already begun with the recognition of these challenges, and it continues step by step toward 2030, when the XION Ecosystem aspires to establish the foundations of a global digital society. Within this vision, MetaBank is designed to function as the central bank of the ecosystem, serving as the financial layer of a future community that is more transparent, democratic, and inclusive. By aligning innovation with regulation and embedding sustainability into its core, MetaBank positions itself not only as a service provider but as the structural backbone of Life 2.0. This is a long-term commitment — to empower individuals, to strengthen communities, and to provide the financial architecture for the next stage of human progress.