X-iso.com Reviews

Based on checking the website X-iso.com, it presents itself as a platform offering insights into a crypto index portfolio, a “Digitalization of the world financial system” cognitive course, IT consulting, and ready-made business templates and software.

The site heavily emphasizes its “XISO” token, which is positioned as a composite index of tokens supporting the ISO 20022 standard, and seeks donations to expedite its listing.

While the site details various financial and IT services, it’s crucial to understand that involvement in unregulated or speculative financial instruments like cryptocurrencies carries significant risks, and some aspects, particularly those involving uncertain returns or speculative investments, are generally not encouraged.

Instead, focusing on stable, ethical business practices and well-understood, permissible investments is a much wiser and more secure path.

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X-iso.com Review & First Look

Upon a detailed examination of X-iso.com, the platform immediately positions itself at the intersection of cryptocurrency, financial system digitalization, and IT solutions.

The primary focus appears to be on its proprietary “XISO” crypto index, which the website claims is built upon tokens supporting the ISO 20022 standard.

This standard is a global initiative for financial messaging, and linking a crypto index to it attempts to lend an air of legitimacy and forward-thinking alignment.

However, it’s essential to critically assess such claims.

The website’s interface is functional, but the information density can be overwhelming.

Key sections include a dynamic widget for the XISO Index though it often displays “Loading…”, a strong call for donations to “speed up token listing,” and various subscription tiers for community membership and “CBDC adoption monitoring.” This strong emphasis on a speculative digital asset and soliciting donations for its listing raises a significant flag.

Any venture asking for donations to “speed up” a listing process for an unlisted digital asset should be approached with extreme caution.

The core of this offering appears to be a highly speculative investment in a digital token that has no established track record or regulatory oversight, which is inherently risky.

The site also mentions a “cognitive course” on the digitalization of the world financial system, IT consulting, and pre-made software solutions.

While these services sound tangible, they are heavily overshadowed by the cryptocurrency-centric offerings.

The website’s heavy reliance on the promise of future gains from a speculative token, coupled with a lack of concrete, verifiable success metrics for its financial products, creates a perception of high risk.

Ethical business practices prioritize stable, value-driven offerings over speculative ventures that can lead to financial uncertainty.

X-iso.com Cons

When evaluating X-iso.com, several significant drawbacks become apparent, particularly concerning the speculative nature of its primary offerings.

It’s crucial to approach any platform that heavily relies on unproven digital assets with extreme caution.

• High Speculative Risk with Unlisted Token: The central offering, the “XISO” token and its associated index, is presented as an unlisted asset. The website explicitly requests donations to “speed up token listing.” Investing in an unlisted token carries immense risk. There’s no guarantee of future listing, value, or liquidity. Data from past years shows that a significant percentage of new cryptocurrencies either fail to gain traction or completely vanish. For example, a study by Satis Group LLC in 2018 indicated that 80% of ICOs Initial Coin Offerings were identified as scams. While X-iso.com doesn’t explicitly state an ICO, the donation model for listing an unlisted token mirrors similar high-risk characteristics.
• Lack of Regulatory Clarity and Oversight: The crypto space, particularly for new and unlisted tokens, often operates with minimal regulatory oversight. X-iso.com states TDEX LP is incorporated in the UK, but incorporation does not equate to regulatory approval or oversight for its crypto products. Without clear regulatory backing, users have limited recourse if things go wrong. In 2023, global financial regulators, including the UK’s FCA, continued to issue warnings about the risks of unregulated crypto investments.
• Opaque Investment Strategy: While the website mentions “research and practical experience in financial markets” and references BIS reports on CBDCs, the actual methodology for selecting tokens for the “XISO” index is not transparent enough. Vague statements like “simple and logical decision” don’t provide the detailed, auditable strategy typically expected for financial products. Investors need clear, verifiable data and a robust methodology to make informed decisions, which seems lacking here.
• Pressure for Donations and Subscriptions: The continuous request for donations to list the token and the tiered subscription models ranging from $10 for a one-day subscription to $1800 for an annual one create a strong impression of a platform primarily focused on extracting funds rather than delivering clear, tangible, and secure value. This high-pressure sales tactic, especially for speculative assets, is often a red flag.
• Limited Verifiable Success Data: Despite claims of expertise, there’s a scarcity of verifiable data or independent audits demonstrating the actual performance and success of the “XISO” index or any other financial claims made by the platform. The “Current index portfolio dynamic” link on the site leads to TradingView but doesn’t immediately provide clear, long-term, independently audited performance metrics for the XISO index itself. Relying on self-reported, unaudited data is inherently risky.

X-iso.com Alternatives

Instead of engaging with speculative cryptocurrency ventures or platforms that lack clear regulatory oversight, there are numerous ethical and secure alternatives for financial management, business development, and personal growth.

These options prioritize transparency, stability, and genuine value creation.

• For Ethical and Stable Financial Management:

  • Halal Investment Funds: Seek out Sharia-compliant investment funds that invest in ethically screened companies. These funds avoid industries like alcohol, gambling, and interest-based finance, aligning with ethical principles. Examples include certain ethical mutual funds or specialized Islamic investment portfolios offered by reputable financial institutions.
  • Real Estate Investments: Investing in physical real estate can be a tangible and generally stable asset class, providing rental income or capital appreciation. This avoids speculative digital assets and provides a real-world asset.
  • Equity in Established Businesses: Consider investing in shares of well-established, publicly traded companies that operate in permissible and ethical sectors. This offers diversified risk and typically more transparent financial reporting than unlisted tokens. For example, investing in a stable utility company or a manufacturing firm.
  • Savings and Gold: For low-risk preservation of wealth, traditional savings accounts if interest-free or physical gold can be viable options. Gold has historically served as a hedge against inflation and economic uncertainty.

• For IT Consulting and Business Development:

  • Reputable IT Consulting Firms: Instead of generic offerings, seek out established IT consulting firms that specialize in your specific business needs e.g., enterprise resource planning, cybersecurity, cloud solutions. Firms like Accenture, Deloitte, or smaller specialized local consultancies offer proven track records and industry expertise.
  • Open-Source Software and SaaS Solutions: For business software, explore widely adopted and supported open-source CRM Customer Relationship Management or ERP Enterprise Resource Planning solutions e.g., Odoo, SuiteCRM or reputable SaaS Software as a Service providers e.g., Salesforce, HubSpot, Zoho CRM. These offer scalability, regular updates, and community support.
  • Professional Web Development Agencies: For web design, engage with agencies that have a portfolio of successful projects and transparent pricing. Freelance platforms like Upwork or Fiverr can also connect you with skilled developers, but thorough vetting is crucial.
  • Business Incubators and Accelerators: For starting a business, consider joining local business incubators or accelerators. These provide mentorship, networking opportunities, and often access to funding, focusing on sustainable growth and proven business models.

• For Knowledge and Education Digitalization of Finance:

  

  • Accredited University Courses: Enroll in online or in-person courses from accredited universities on topics like financial technology FinTech, digital economics, or blockchain technology. Institutions like Coursera, edX, or even specific university departments offer comprehensive programs.
  • Professional Certifications: Pursue certifications from recognized bodies in areas like financial analysis CFA, blockchain development, or cybersecurity. These provide structured learning and industry-recognized credentials.
  • Reputable Economic Research Institutions: Follow reports and publications from established financial institutions, central banks like the BIS or the Federal Reserve, and economic research organizations. They offer credible, well-researched insights into global financial systems without promoting speculative ventures.

By choosing these proven, ethical, and more transparent alternatives, individuals and businesses can build sustainable growth and secure their financial future, avoiding the pitfalls associated with high-risk, speculative endeavors.

How to Cancel X-iso.com Subscription

Given the nature of X-iso.com’s offerings, particularly its subscription models for “community membership” and “CBDC adoption monitoring,” understanding the cancellation process is crucial.

While the website doesn’t have a dedicated, prominently displayed “Cancel Subscription” button or a direct link to a cancellation portal, the terms of service and common practices for online platforms provide guidance.

Key Steps to Consider for Cancellation:

1. Review the Terms of Use and Refund Policy:

   • Navigate to the “Terms of conditions” and “Refund Policy” links at the bottom of the X-iso.com homepage. It is imperative to read these documents thoroughly. They will contain the official procedures for subscription cancellation, notice periods, and any eligibility for refunds. For example, many online subscriptions require a certain number of days’ notice e.g., 7 or 30 days before the next billing cycle to prevent auto-renewal.
   • Pay close attention to clauses related to “Service charge” or any cancellation fees that might be mentioned.

2. Contact Support Directly:

   • The most direct method is to contact X-iso.com’s support team. The website lists two primary contact methods:
     • WhatsApp: +447700183767
     • E-mail: [email protected]
   • Send a clear, concise email or WhatsApp message, though email provides a better paper trail stating your intent to cancel your subscription. Include all relevant account details such as:
     • Your full name
     • The email address associated with your subscription
     • The date you started your subscription
     • The subscription plan you are on e.g., “Monthly subscription,” “Annual subscription”
     • A clear statement like: “I wish to cancel my subscription immediately and ensure no further charges are applied to my account.”
   • Request a confirmation of cancellation in writing. This is vital for your records in case of any future disputes.

3. Check Payment Processor/Bank Statements:

   • If you paid using a credit card or a specific online payment processor e.g., PayPal, check your account with that processor. Sometimes, recurring subscriptions can be managed or canceled directly through the payment gateway’s interface.
   • Monitor your bank or credit card statements closely for several billing cycles after cancellation to ensure that no further charges from X-iso.com or TDEX LP their registered company name are processed. If unauthorized charges appear, immediately dispute them with your bank or credit card company, providing them with your cancellation confirmation.

Important Considerations:

• Proof of Cancellation: Always keep records of your cancellation request e.g., screenshots of WhatsApp messages, copies of emails sent and received. This documentation is your best defense against any billing discrepancies.
• No “Easy Button”: The absence of a self-service cancellation option on the website is a common practice for some services but can make the process less straightforward. Be prepared for a direct communication process.
• Refund Eligibility: As per their “Refund Policy,” understand if you are eligible for any prorated refund based on the time remaining on your subscription, especially if you opted for a longer-term plan like the annual subscription. Typically, subscriptions for digital content or access are non-refundable once activated for the current billing period, but it’s essential to check their specific policy.

By following these steps, you can systematically approach the cancellation of your X-iso.com subscription and protect your financial interests.

X-iso.com Pricing

X-iso.com offers a range of pricing tiers primarily centered around access to their community and “global CBDC adoption monitoring,” in addition to various IT services and a cognitive course.

The pricing structure for these offerings is as follows, as displayed on their homepage:

Subscription Tiers for Community Membership & CBDC Adoption Monitoring:

• One day subscription: $10
• Fortnite subscription: $100 originally $140, marked down – Note: “Fortnite” here likely refers to a fortnight, meaning two weeks.
• Monthly subscription: $250 originally $300, marked down
• 3 months subscription: $700 originally $900, marked down
• 6 months subscription: $1000 originally $1500, marked down
• Annual subscription: $1800 originally $2500, marked down

These subscription prices are notably high, especially for access to information and a “community” surrounding speculative digital assets and CBDC developments.

For instance, a monthly fee of $250 equates to $3,000 annually if paid month-to-month, although the annual subscription offers a significant discount at $1,800. This pricing model suggests that the information or “strategy” provided is positioned as premium content, likely targeting individuals or entities with substantial disposable income willing to pay for insights into the cryptocurrency and central bank digital currency space.

However, considering the highly speculative nature of the “XISO” token and the often freely available information on CBDCs from official sources, the value proposition of these subscriptions warrants careful scrutiny.

For example, reputable financial news outlets and central bank websites often provide detailed reports and analysis on CBDC developments at no cost or as part of standard financial news subscriptions which offer broader market insights.

IT Solutions & Services Pricing:

In addition to subscriptions, X-iso.com also offers various IT services and software templates:

• Web design: 500€
• CRM Customer Relationship Management: 750€
• Trading platform including client area: 2500€
• Trading platform + CRM + Web design: 5000€
• Cognitive course “Digitalization of the world financial system”: 250€

The pricing for these IT services appears to be in Euros, which is a detail to note if dealing with the platform from the US or other regions.

The costs for individual IT services like web design and CRM are relatively standard for basic solutions, but the bundled “Trading platform + CRM + Web design” at 5000€ suggests a more comprehensive, albeit pre-made, solution for businesses looking to enter the trading or online financial services sector.

The “cognitive course” at 250€ is also positioned as a premium educational product.

Overall Pricing Analysis:

The pricing strategy at X-iso.com reflects a dual focus:

1. High-tier subscriptions for speculative financial insights and community access, aiming to attract those interested in the burgeoning but volatile crypto and CBDC sectors. The significant discounts offered for longer-term subscriptions e.g., annual vs. monthly are a common tactic to lock in customers for longer periods, but they also mean a larger upfront commitment to a speculative venture.
2. Mid-range IT services that cater to businesses, potentially those looking to establish an online presence, including those in the financial or trading space.

Given the inherent risks associated with unregulated digital assets and the speculative nature of the “XISO” token, the high subscription fees for “monitoring” and “strategy” should be approached with extreme caution.

There are many free or more affordably priced resources for general market information and even technical analysis that offer more established credibility and less speculative risk.

X-iso.com vs. Established Financial & IT Service Providers

When evaluating X-iso.com, it’s beneficial to compare its offerings against more established and regulated entities in both the financial and IT sectors.

This comparison highlights the unique aspects of X-iso.com while also emphasizing the benefits of choosing platforms with proven track records, regulatory oversight, and a commitment to transparent, ethical practices.

Financial Services Comparison:

X-iso.com’s core financial offering revolves around a “crypto index portfolio” and the “XISO” token, alongside a focus on CBDCs.

• X-iso.com:

  • Focus: Speculative crypto index “XISO” token, CBDC adoption monitoring, community access.
  • Regulation: Limited or unclear regulatory oversight for its crypto products. TDEX LP is incorporated in the UK, but this doesn’t imply regulatory approval for its crypto offerings.
  • Transparency: Opaque methodology for token selection. reliance on future listing for value.
  • Risk: High, due to unlisted, speculative token and lack of clear regulatory protection.
  • Pricing: High subscription fees for what appears to be access to speculative information and a community.

• Established Financial Institutions e.g., Fidelity, Vanguard, Islamic Banks:

  • Focus: Diversified investment portfolios stocks, bonds, mutual funds, ETFs, retirement planning, wealth management, ethical/Sharia-compliant investments.
  • Regulation: Heavily regulated by government bodies e.g., SEC, FINRA in the US. FCA in the UK ensuring investor protection, financial stability, and transparency.
  • Transparency: Clear, audited financial statements. detailed prospectuses for investment products. standardized reporting.
  • Risk: Managed risk profiles, often diversified across various asset classes, with clear risk disclosures.
  • Pricing: Transparent fee structures e.g., expense ratios for funds, advisory fees, often lower in aggregate for diversified portfolios compared to speculative crypto subscriptions.

• Comparison Takeaway: Established financial institutions prioritize capital preservation, regulated growth, and transparent operations. Their offerings are often diversified, less volatile, and subject to strict oversight, providing significantly more security than speculative crypto ventures. For ethical investors, specific Islamic financial institutions offer products fully aligned with Islamic principles, avoiding interest and prohibited industries.

IT Services Comparison:

X-iso.com offers basic IT services like web design, CRM, and trading platform templates.

*   Offerings: Pre-made web design, CRM, trading platform templates.
*   Customization: Implied to be template-based, potentially limited customization.
*   Support & Updates: Unclear long-term support, maintenance, or regular updates for software.
*   Reputation: Limited public reviews or case studies for its IT service quality.
*   Pricing: Fixed prices in Euros for basic services, bundles for larger projects.

• Specialized IT Service Providers e.g., Salesforce for CRM, Shopify for E-commerce, Local Web Agencies:

  • Offerings: Highly specialized, scalable, and customizable solutions e.g., enterprise-grade CRM, custom web development, cloud infrastructure.
  • Customization: Extensive customization options to meet unique business needs.
  • Support & Updates: Robust customer support, regular software updates, security patches, and long-term maintenance contracts.
  • Reputation: Extensive portfolios, client testimonials, industry awards, and transparent service level agreements SLAs.
  • Pricing: Varies widely based on scope, features, and customization, often subscription-based for SaaS, or project-based for custom development.

• Comparison Takeaway: While X-iso.com offers ready-made IT templates at fixed prices, specialized IT service providers generally offer more robust, scalable, customizable, and professionally supported solutions. For businesses requiring reliable, long-term IT infrastructure, investing in established service providers often yields better results, better support, and greater peace of mind.

In conclusion, X-iso.com appears to be a niche platform attempting to capitalize on the interest in cryptocurrencies and digital finance.

However, for those seeking stable, ethical, and secure financial growth or reliable, high-quality IT solutions, the established and regulated alternatives offer far superior benefits in terms of transparency, risk management, and long-term value.

Frequently Asked Questions

What is X-iso.com?

X-iso.com is a platform that offers a crypto index portfolio, a cognitive course on financial digitalization, IT consulting, and ready-made software templates for businesses, primarily focusing on its “XISO” token which is claimed to support the ISO 20022 standard.

Is X-iso.com a legitimate company?

Yes, X-iso.com states it is a trademark of TDEX LP, incorporated in the UK with registration number LP022022. However, incorporation does not equate to regulatory approval or oversight for its specific crypto-related financial products.

What is the XISO token?

The XISO token is presented as a composite index of cryptocurrencies that support the ISO 20022 standard.

It is currently unlisted, and X-iso.com requests donations to speed up its listing process.

Is investing in the XISO token risky?

Yes, investing in unlisted tokens like XISO is inherently very risky due to the lack of established market value, liquidity, and regulatory oversight. Larosajewellery.co.uk Reviews

There is no guarantee of future listing or value appreciation.

What kind of IT services does X-iso.com offer?

X-iso.com offers ready-made IT solutions including web design, CRM systems, trading platforms with client areas, and bundled packages of these services.

How much does X-iso.com’s cognitive course cost?

The cognitive course, titled “Digitalization of the world financial system,” costs 250€.

What are the subscription costs for X-iso.com?

Subscription costs range from $10 for a one-day pass to $1800 for an annual subscription, offering access to their community and CBDC adoption monitoring.

Does X-iso.com offer a free trial for its subscriptions?

The website does not explicitly mention a free trial for its subscription services. Manaknightdigital.com Reviews

The shortest available option is a one-day subscription for $10.

How can I contact X-iso.com support?

You can contact X-iso.com support via WhatsApp at +447700183767 or by email at [email protected].

Where is TDEX LP, the company behind X-iso.com, located?

TDEX LP is incorporated in the UK, with its registered address at Dept 3791, 43 Owston Road, Carcroft, Doncaster, DN6 8DA.

What is ISO 20022 and how does it relate to X-iso.com?

ISO 20022 is a global standard for financial messaging.

X-iso.com claims its “XISO” token index is built on cryptocurrencies supporting this standard, aiming to align with future financial system digitalization. Pleasuretoys.nl Reviews

Are there any discounts for X-iso.com subscriptions?

Yes, X-iso.com lists discounted prices for its “Fortnite” two-week, monthly, 3-month, 6-month, and annual subscriptions, with the original prices crossed out.

Can I get a refund if I cancel my X-iso.com subscription?

Refund eligibility is governed by X-iso.com’s Refund Policy, which should be reviewed carefully.

Typically, refunds for digital subscriptions are subject to specific terms and conditions.

How do I cancel my X-iso.com subscription?

To cancel your X-iso.com subscription, you should contact their support team directly via email at [email protected] or WhatsApp at +447700183767, requesting cancellation and retaining proof of your request.

What alternatives are there to X-iso.com’s crypto offerings?

Better alternatives to speculative crypto offerings include ethical investment funds, real estate, equity in established businesses, and physical gold, all of which offer more stability and regulatory oversight. Arcustomsllc.com Reviews

What alternatives are there to X-iso.com’s IT services?

For IT services, reputable alternatives include specialized IT consulting firms, established SaaS providers for CRM/ERP like Salesforce or Zoho CRM, and professional web development agencies.

Does X-iso.com mention any specific cryptocurrency projects in its index?

The website references past BIS reports and mentions projects like Project Inthanon-Lion Rock, Project Jasper-Ubin, Project mCBDC Bridge, Project Helvetia, Project Jura, and Project Dunbar as inspirations for its token selection, aiming to align with CBDC developments.

Does X-iso.com have a presence on Trustpilot?

The website mentions “Trustpilot ‘XISO’” but does not provide a direct link or specific rating, suggesting that users might need to search for reviews on Trustpilot independently.

What currency are X-iso.com’s IT services priced in?

The IT services listed on X-iso.com are priced in Euros €, while the subscription services are priced in US Dollars $.

Should I donate to X-iso.com to speed up token listing?

It is strongly advised to exercise extreme caution when considering donations to “speed up” the listing of an unlisted token. Megandorien.com Reviews

This practice carries significant financial risk, as there is no guarantee of the token’s future listing or value.