During an xAI all-hands meeting, Elon Musk confirmed that X Money; the payments feature integrated into the X platform is currently live in a closed beta internally among company employees.
He stated they expect to roll it out to a limited external beta in the next month or two; so roughly March–April 2026, followed by a wider global rollout to all X users. He described it as a major step toward making X the “central source of all monetary transactions” and a “game-changer” in building the “everything app” vision, with features focused on peer-to-peer transfers, storing funds, bill payments, and more.
X has already secured money transmitter licenses in over 40 US states and partnerships like with Visa to support fiat payments initially. There’s speculation about future crypto support such as Bitcoin, Dogecoin, but the initial beta appears fiat-focused, with no official confirmation on crypto integration at launch.
This aligns with Musk’s long-term plan to evolve X beyond social media into full financial services. Elon Musk’s vision for the “everything app” centers on transforming X into a single, all-encompassing platform where users can handle nearly every aspect of their digital and daily lives—without needing to switch between multiple apps.
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This idea draws heavy inspiration from super-apps like China’s WeChat, which integrates messaging, social networking, payments, e-commerce, ride-hailing, and more into one seamless experience. Musk has pursued this concept for years, even predating his 2022 acquisition of Twitter.
In the late 1990s, he founded X.com;an early online bank that later merged into PayPal with a similar goal of a comprehensive financial platform. He has repeatedly described acquiring Twitter as an “accelerant” to reviving and expanding that vision under the X brand.
Key elements of the everything app include: Real-time public and private communication, including text, audio, video calls, and encrypted messaging via XChat. Long-form video, live streaming, creator tools, and original content to rival YouTube or TikTok.
The most significant recent advancement. As of February 2026, X Money is in closed beta internally at X, with a limited external beta expected in the next 1-2 months (March–April 2026), followed by a global rollout.
It aims to become the “central source of all monetary transactions,” supporting peer-to-peer transfers, bill payments, stored funds, and potentially more like high-yield savings, loans, or investments.
Partnerships with Visa and money transmitter licenses in over 40 US states are already in place. Musk has called it a “game-changer” for making X essential daily. Other speculated or mentioned expansions: Search and discovery (X Explore as an alternative to Google).
Mini-apps and bookings like travel, shopping, food delivery. AI integration via Grok for enhanced interactions. Communities, creator monetization, and potentially government services.
Musk’s overarching goal is to make X so useful that “if you wanted to, you could live your life on the X app,” driving toward over a billion daily active users by combining communication, commerce, entertainment, and finance.
Progress has been gradual since the 2023 rebrand from Twitter to X, with payments as the biggest missing piece now advancing rapidly. While some critics note that X hasn’t fully diverged from its social media roots yet like limited shifts in user habits or features, the X Money rollout represents a major step toward realizing this ambitious “super app” in the West.
This vision aligns with Musk’s broader philosophy of building maximally useful, integrated tools to advance humanity—much like his work with Tesla, SpaceX, and xAI.