X-Money is coming – and brings X closer to the goal of the “all-in-one app”
- We haven’t heard anything about it for a long time, but Elon Musk is pushing ahead with the transformation of his social media service “X” into a global super app. The “X-Money” service is set to launch soon and will be expanded into the central component of the future “all-in-one app”.
- X-Money is not only intended to handle peer-to-peer transactions. The aim is to create a commercial service that combines communication, commerce and digital identity. This corresponds to the vision of X.com of the year 1999, which later became PayPal.
According to company information X-Money is currently in an internal test phase in which employees use the service under real conditions. Musk stated that a limited external beta version should come in two months at the latest.
Global activation is then planned, which will make the new payment infrastructure available to all X users. Despite limited information, the company has not been idle in 2025, but has applied for and received money transfer licenses in more than 40 US states to date.
In addition, the partnership with VISA is now in place, which makes entry into the regulated financial market easier.
Functions and strategic importance
At launch, X-Money will cover classic financial functions: peer-to-peer transfers, wallet management, in-app purchases and integration with XChat.
In the long term, however, the service should achieve much more. Musk talks about X being the “place where all the money is.” What is meant is a system in which customers not only communicate, but also pay bills, buy products, manage subscriptions and even hold assets.
X is thus positioning itself as a Western alternative to WeChat, which has dominated China as a multifunctional platform for years.
Crypto scene speculates – Musk is keeping a low profile
Although Musk has been a supporter of several cryptocurrencies for years, there has been no official confirmation that X-Money will integrate digital assets at launch. The partnership with VISA suggests more of a focus on fiat payments.
Nevertheless, speculation is circulating in the community about the possible integration of Dogecoin or XRP. However, Musk avoids making clear statements and emphasizes that the service will be expanded gradually. For the crypto industry, X-Money remains vague for the time being. You now know:
It will come – you just don’t know what it is.
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