在收购 Twitter 超过三年后，Elon Musk 表示 X Money 正在接近本月对公众发布，作为其长期宣称要把 X 变成 super app 的计划之一。早期体验用户称，符合资格的消费可获 3% 现金回馈，现金储蓄则提供 6% 利率，约为美国平均的 15 倍。该服务亦预期包括免费点对点转帐、使用 X handle 的个人化金属 Visa 借记卡，以及由 xAI 建立的 AI concierge（追踪支出并分类交易）。X 约有 6 亿月活跃使用者（6亿=600 million=6×10^8），其规模在美国前所未有于此类金融+社交模型。
关键条款仍不明朗：定价、完整功能清单及全面可用日期尚未公开。Musk 许多年前曾承诺，且说一年内会推出，因此行业中有人认为已拖延；Richard Crone 说这是「晚了一天、少了一美元」。早期回馈显示，X 的内容创作者可能正从 Stripe 切换到 X Money，形成初始活跃帐户基础，但若 X 个人档案被停权，X Money 帐户影响仍未说明。Bernstein Institutional Services LLC 的 Harshita Rawat 补充，点对点转帐通常只是一种损耗型入口，除非用户能把主要银行、信用与贷款活动都转到应用内，否则难以形成核心收益。
监管流程目前似乎是主要瓶颈。美国支付机构通常需持有 50 州牌照；X 表示已获 44 州牌照，因此未持牌州份可能仍会封锁服务。Musk 在 2023 年曾预言「未来几个月」即可获得核准，但联邦及州级审查仍在持续。纽约州立法者 Brad Hoylman-Sigal 与 Micah Lasher 曾要求驳回申请，理由是先前行为风险。2024 年，德州监管机构对 Musk 与 SEC 的历史及 X Payments LLC 母公司财务状况提出问题，随后主导跨州电话会议，并在三个月后核准德州。2026 年 4 月，马萨诸塞州参议员 Elizabeth Warren 致信 Musk 询问收益经济与银行安排，该州牌照仍在待审中。
More than three years after acquiring Twitter, Elon Musk says X Money is nearing public launch this month as part of his long-stated plan to make X a super app. Early access users reported eligible purchases can earn 3% cashback, while cash-savings offers 6% interest, about 15 times the U.S. average. The service is also expected to include free peer-to-peer transfers, a personalized metal Visa debit card using an X handle, and an xAI-built AI concierge that tracks spending and categorizes transactions. With around 600 million monthly users (600 million = 6×10^8), X has a scale for a finance-social model not yet seen at this size in the U.S.
Key terms remain vague: pricing, complete feature set, and the date for broad availability are not public. Musk promised this for years ago and said it would arrive within a year, so some in the industry call it delayed; Richard Crone says it is "a day late and a dollar short". Early feedback says X-paid creators are likely being switched from Stripe to X Money, giving an initial active base, but the impact on an X Money account if a profile is suspended is unclear. Bernstein’s Harshita Rawat adds that peer-to-peer transfers are often only a loss leader unless users can move primary banking, credit, and lending activity onto the app.
Regulatory work appears to be the main bottleneck. In the U.S., payment firms generally need licenses in all 50 states; X says it has 44, so some states may still block service. Musk predicted approval in the "next few months" during 2023, yet federal and state scrutiny continues. New York lawmakers including Brad Hoylman-Sigal and Micah Lasher requested blocking the application, citing prior conduct concerns. In 2024, Texas regulators raised questions over Musk’s SEC history and the financial condition of X Payments LLC’s parent company, then later led a multi-state call before approving Texas after three months. In April 2026, Senator Elizabeth Warren wrote to Musk about yield economics and banking arrangements while the Massachusetts license remained pending.