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It sets out to create the key missing piece, X Money, as part of the strategy to turn X (formerly Twitter) into a “super app” or all app.
X aims to be more than just a social media platform. Elon Musk wants to turn a turning point in personal finance. Users will be able to manage messaging, shopping and complete management of personal assets in one place.
Why are cryptocurrency investors excited about X Money?
During the presentation of xAI “All Hands” in February 2026, Elon Musk revealed that X Money is already working in internal tests among X employees. A limited launch to users is expected in the next 1-2 months.
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X Money was able to secure it Money service provider licenses in over 40 US states. and established strategic partnerships with major payment giants Like Visa last year.
Elon Musk said that X Money is already working in a closed beta version in the company, and he expects in the next month or two to launch a limited external beta version, and then circulate to all X users in the world. He stated that the goal is for this platform to be the main center for all financial transactions, the central source of funds for everyone. He stressed that it would be a real turning point.
Musk seeks to push the number of monthly active users for more than 600 million, and eventually reach 1 billion users. Similar to the analyst This ambition to create an application for everything is similar to the Chinese WeChat.
X Money, therefore, represents a great opportunity for any cryptocurrency project that accepts as a form of payment or is indirectly associated with the platform.
However, X Money has never announced that cryptocurrencies will be used as a payment option. At the same time, investors continue to construct their own narrative.
The first fire of speculation About Dogecoin (DOGE). This satirical coin is closely linked with Elon Musk’s personal brand. This theory is based on Musk’s previous comments suggesting that DOGE may be suitable for micropayments.
The second speculation concerns XRP. This hypothesis is related toCross River Bankthe financial partner that works with X to process payment flows. Since 2014, Cross River Bank has integrated the Ripple protocol To enable instant cross-border payments between the US and Western Europe.
Despite these accounts, the prices of DOG and XRB did not show any noticeable reaction to the news of the upcoming launch of X Money.
In the coming months, after X Money officially launches as planned, its impact on cryptocurrency markets and the global financial system may become clearer.
