As part of the strategy to turn X (formerly Twitter) into a “super app” or Everything App, a key missing piece, X Money, is beginning to take shape.

X aims to be more than a social media platform. Elon Musk wants to transform it into a personal finance game-changer. Users could handle messaging, shopping, and full personal asset management in one place.

Why Are Crypto Investors Excited About X Money?

During an xAI “All Hands” presentation in February 2026, Elon Musk revealed that X Money is already running in internal testing among X employees. A limited rollout to users is expected within the next one to two months.

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X Money has secured money transmitter licenses in more than 40 US states. It also established strategic partnerships with major payment giants such as Visa last year.

“For X Money, we actually had X Money live in closed beta within the company, and we expect in the next month or two to go to a limited external beta and then to go worldwide to all X users. And this is really intended to be the place where all the money is, the central source of all monetary transactions. So it’s really going to be a game-changer,” Elon Musk said.

Musk aims to push monthly active users past 600 million and ultimately reach 1 billion. Analysts compare this ambition to building an everything app similar to China’s WeChat.

As a result, X Money represents a major opportunity for any crypto project that accepts it as a payment method or is indirectly connected to the platform.

However, X Money has never confirmed that crypto will be used as a payment option. Investors, meanwhile, continue to build their own narratives.

The first speculation centers on Dogecoin (DOGE). This meme coin closely aligns with Elon Musk’s personal brand. The theory stems from Musk’s past comments suggesting DOGE could be suitable for micropayments.

The second speculation involves XRP. This hypothesis is linked to Cross River Bank, a financial partner working with X to process payment flows. Since 2014, Cross River Bank has integrated Ripple’s protocol to enable real-time cross-border payments between the US and Western Europe.

Despite these narratives, DOGE and XRP prices showed no significant reaction to news of X Money’s upcoming launch.

In the coming months, once X Money officially goes live as planned, its impact on crypto markets and the global financial system may become clearer.

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Author: Nhat Hoang