The payment gateway Industry is booming and the cryptocurrency industry is rapidly developing. XTEM is a utility coin designed for the payment of goods, services, and settlement of transactions in the African Consolidated Exchange. The XTEM is also used for Crypto Staking in our other operations - real estate, micro-finance, the payment gateway as well as mining, benefaction, and exploration. XTEM seeks to provide a safer and more secure digital payment facilitation in Africa and beyond!