Quick Takeaways
- Elon Musk confirmed X Money is in internal beta testing with a public rollout coming soon.
- X has secured over 40 U.S. money transmitter licenses and partnered with Visa.
- Crypto investors speculate about Dogecoin and XRP, despite no official integration announcement.
Elon Musk has revealed that X Money is nearing launch, fueling fresh speculation across crypto markets. The payments feature forms a core part of Musk’s plan to turn X into an “Everything App.”
During a February 2026 xAI All Hands presentation, Musk confirmed that X Money is already live in closed beta. Employees are currently testing the product internally.
He said the platform could move into a limited public rollout within one to two months. A global launch would follow shortly after.
“For X Money, we actually had X Money live in closed beta within the company,” Musk said. He described the product as the “central source of all monetary transactions” on X.
The update signals a major shift for the social media platform formerly known as Twitter. Musk wants X to evolve beyond messaging and content sharing.
X Money Builds Infrastructure for Financial Expansion
X Money has quietly built a strong regulatory foundation. The company has secured money transmitter licenses in more than 40 U.S. states.
It also partnered with Visa last year to support payment processing capabilities. These moves show a serious intent to enter the financial services sector.
Musk aims to transform X into a full-service financial hub. Users could manage messaging, payments, shopping, and digital assets within one interface.
Industry psychoanalysts compare the dream to China’s WeChat model. WeChat integrates social media, defrayal, and commerce into one ecosystem.
Musk wants X to surpass 600 million monthly active users. His long-term end targets 1 billion global users.
If successful, X Money could suit one of the big fintech platforms worldwide. That possibility explains why crypto investors are watching closely.
Why Crypto Markets Are Speculating on Dogecoin and XRP
Despite no official crypto announcement, speculation has intensified across digital asset communities. Investors believe certain tokens could benefit from X Money integration.
Dogecoin remains the most discussed candidate. Musk has publicly supported DOGE for years.
He previously suggested Dogecoin could work well for micropayments. That narrative continues to drive online speculation.
DOGE supporters argue that Musk’s personal affinity for the token increases its chances of adoption. However, X has not confirmed any crypto payment integration.
Another theory centers on XRP. The speculation connects to Cross River Bank, a financial partner working with X.
Cross River has used Ripple’s protocol since 2014. The bank supports real-time cross-border payment infrastructure between the U.S. and Europe.
Some analysts believe this relationship could open the door for XRP-powered settlements. However, no formal link between X Money and Ripple exists.
Market data shows limited price reaction from both DOGE and XRP. Traders appear cautious without official confirmation.
X Money Could Reshape Crypto’s Payment Narrative
Even without immediate crypto integration, X Money represents a structural transmutation. The platform could renormalize digital defrayal for hundreds of millions of users.
If crypto assets become part of that ecosystem, the encroachment could be significant. Payment utility continue one of the strongest long-term narratives for digital assets.
However, Musk has remained silent on whether blockchain technology will power X Money. Current details suggest a traditional fintech framework at launch.
Investors must separate speculation from verified information. So far, X Money appears focused on regulatory compliance and payment partnerships.
Still, the crypto community understands Musk’s influence. His public comments have historically moved markets.
X Money’s eventual design will determine whether blockchain assets play a role. Until then, speculation will likely continue.
A Strategic Move Toward the “Everything App”
X Money represents a missing pillar in Musk’s spacious top-notch app strategy. Messaging and metier already exist on the platform.
Payments could unlock commerce, subscription, and peer-to-peer transfer at ordered series. That expansion would deepen user engagement and revenue streams.
The company’s licensing forward motion signals good execution. Fintech substructure requires heavy adherence and operational discipline.
If Musk delivers on his timeline, X Money could launch globally within months. That rollout may provide clean answers for crypto investors.
Immediately, the food market continues in hold-back-and-insuree mode. The next update from Ex could shape digital defrayal narratives for years.
One fact remains clear. The X Money launch has already captured the attention of the crypto industry.