by Coinstrooper Crypto Articles
Quick Take
  • 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.
  • 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.
  • During an xAI “All Hands” presentation in February 2026, Elon Musk revealed that X Money is already running in internal testing among X employees.

What Happened

Why Are Crypto Investors Excited About X Money?

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.

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

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

The post Elon Musk Reveals X Money May Launch Soon, Fueling Crypto Speculation appeared first on BeInCrypto.

Market Context

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.

Why It Matters

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.

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.

“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.

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.

Details

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.

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.

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.