Frequently asked questions

What is X8X?

The X8 platform uses two types of tokens: X8 utility token (X8X) issued during the TGE, and the stable value X8C token.

What is X8C?

X8C is a secure store of value Ethereum token. The token is the main tool we use to give our customers the service they need – safe haven from volatilities on the crypto markets. The token has an intrinsic value in holdings in gold and 8 fiat currencies (USD, € …).  X8C is a 100% asset-backed token.  X8C does not need new buyers for appreciation.  Its liquidity is comparable to those of major currencies. It is stable and retains value.


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Who are our clients?

ioNectar has been on the market for some years now and we have many satisfied clients from the traditional business: funds, funds of hedge funds, portfolio managers, brokers, banks, HNWIs, corporations, big data analysts, CTAs and enthusiasts. We offer them a wide variety of services from risk management to automated trading.


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What are X8C use cases?

Among others, three use cases are most prominent:

First, X8C can be used for long-term store of value, either to avoid unstable crypto markets or for hedging investment portfolio. Due to high convertibility and 100% backing, converting to X8C is a suitable alternative strategy to converting crypto assets to fiat and withdrawing assets from the exchange. In case of a rally on exchanges, crypto investors can easily run away from the bubble and move to more stable fiat. User can withdraw X8C and redeem fiat currency directly from the issuer.

Secondly, it is also ideal for raising funding capital in IPOs/ICOs, as CEOs can easily plan the distribution of collected investment and costs due to X8C value stability.

Thirdly, X8C is ideal for fixing salary value between employer and employee. Deciding to pay salaries in a cryptocurrency brings many benefits, but due to high volatility during a month this sometimes leave a grim face on one of the sides. With determining a salary in X8C, value paid and received will remain almost in line with inflation (usually 1-2% better).

Last but not least, the case for merchants using X8C in their business operation is that merchants want to earn a safe and stable margin on the products or services they sell. If it is a store with many different products for example, a merchant would need to update prices of those items regularly if he or she accepts payments in a highly volatile currency. With X8 Currency merchants do not need to worry about that any more. Because of the very high level of stability of X8 Currency merchants can focus on their core activity and competitiveness and set their margins with much more clarity about their net earnings.

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Is this scalping?

No, ioNectar is present on the market all the time, continuously buying and selling currencies. It does not wait for speculation opportunities to search for profit.

What is ARM?

ARM or Automatic Reserve Management is in its essence a set of sophisticated algorithms (one could say A.I.) that automatically sell X when its price is high and buy Y when its price is low. The main parameter for decision making is evaluating the prices of X via the cost of transaction, volatility and overall competitiveness of the opportunity from perspectives of risk and reward.

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Can the value managed by ARM AI drop in short term? For how long?

Another 9/11, Brexit, world recession … X8 is the best safe haven even in black swan scenarios.

Nevertheless even holdings placed in X8 project can suffer losses in the worst case scenarios. But, as our track record has shown, the downturn in the value of assets even during worst case scenario is not bigger that 5 percent. Black swan scenarios can happen and temporarily push the value of the holdings lower, yet the system showed the performance can recover relatively quickly and that even the most difficult environment in the market does not hold the performance back for more than a few months.

What happens in the black swan scenario?

In that case the gold has protection, although the currencies can drop, but it’s unlikely that all drop at the same time and that the currency pair fall at once, which makes buying and selling still possible.

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Brexit effects

What input parameters are the algorithms looking at?

It’s all about currencies, their exchange rate and vacillation speed.

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What are the X8C highlights?

It’s a stable, liquid, 100% convertible and highly safe store of value with bigger interest rates than any other single currency. Interest rates are tax exempt.

What is the difference between X8C token and Bitcoin?

X8C is 100% asset-backed. Your holdings are diversified in different currencies managed by the Automatic Reserve Management technology. X8C does not need new buyers for appreciation.  Its liquidity is comparable to those of major currencies. It is stable and retains value.

Comparison X8C vs. financial instruments

1. X8C vs government bonds

Bonds are based on a single country – single currency, therefore they are riskier.

Government bonds were considered for a long time to be one of the best opportunities for a secure investment. But, as events of the recent years have shown, even countries that were once considered safe haven for the investors can crumble down. Bonds are fully depended on the economy of the country that issues them. Therefore investors in the time of economical crisis can lose a big chunk of  their assets in bonds.

On the other hand, while the economy of one country is in decline the X8 Currency works through the trend by automatically redistributing assets in the markets that won’t experience the same fate.

2. X8C vs stock market

Stock markets are speculative. X8 has a higher stability and liquidity than shares traded on stock markets.

Stock markets are recording historically high values. But, as government bonds, their stability is very strongly correlated with the health of a an economy. Therefore when the economic collapse starts the investors have little time to save their assets. When markets start crashing the first victim is the liquidity because most investors start running in other stores of value, like gold and currencies.

Again, while the economy of one country is struggling the X8 project is able to cushion negative effects by the workings of ARM AI and the continuous systematic diversification and reallocation of capital between the markets.

3. X8C vs bank deposit

Even the best long term bank deposits for citizens offer 1% per annum interest. Usually a saver cannot withdraw their assets during the deposit period or he/she lose most of the interest. X8C holders can convert tokens into fiat at any time. 

Why is X8C better than bank deposit?

Because of the better protection of your purchasing power of multiple currencies. The money cannot be withdrawn at any time, like it is the case with X8C.

Why is X8C better than bonds?

Bonds are based on a single country – single currency, therefore they are riskier.

Why is X8C better than ETF?

They are more exposed to risk, especially if leveraged. X8C offers market outcome independence.

Why is X8C better than shares?

Shares are speculative. X8C has a higher stability and higher liquidity than shares.

Is this a hedge against inflation?

Yes. ARM fightd inflation most efficiently.

Brexit effects


Nothing of  the same kind exists at the moment. Bank deposits where money can be withdrawn at will come closest.

What happens if one currency out of nine drops down?

The value of the account drops by 5,025%.

What happens if two currencies out of nine drop down?

The value of the account drops by 12,5%.

What happens if all 8 currencies out of nine drop down at once?

The value of the account drops by 40%.

What if the bank collapses?

Your account is insured at SWISSRE reinsurance company.

What happens in case of Brexit?

Due to dispersion the value does not swing more than a couple percent.

Why Switzerland?

We are bringing security to the crypto world by utilising the advantages of the Swiss financial ecosystem.
The X8 project will store its holdings in one of the biggest Swiss banks, secure them at one of the biggest reinsurance companies in the world and put a part of the holdings into physical gold reserves. These will also be stored in Switzerland.

We call the idea the triple redundant security. We are also opening a company in Switzerland through which we will perform all the operations of currency reserves management behind the X8currency project. All in all, the total package will allow us to fully utilize the advantages of the Swiss financial ecosystem.

What is ioNectar?

ioNectar is an automated professional portfolio risk management system that is the core of the platform we are developing for crypto and other financial investors. ioNectar has been in development for more than 10 years and has a proven record of successfully managing assets even in the cases like Brexit.

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ARM AI technology

How is ioNectar structured?

It is based on the 8 major currencies and backed by several banks to prevent collapse in case of failure of any one of the banks.

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What are the past results of ioNectar?

X8 project is also bringing a proven technology in the crypto world. We have been testing the performance of ioNectar since 2015. Tracked and confirmed record shows, that ioNectar platform performs with 2% increase in value. The results can be seen in the chart below:


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