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Elon Musk pushes X into finance as X Money prepares for global launch
Feb, 12, 2026
3 min read
by Diya Poddar
for Invezz
Share:
AI Overview
Elon Musk's X Money is in internal testing and aims for a global rollout to revolutionize financial services by integrating payments with messaging. The service has secured money transmitter licenses across 40 US states and partnerships with major providers like Visa to facilitate transactions. As speculation grows about potential Dogecoin and XRP support, X Money is positioning itself as a significant player in both traditional and crypto financial ecosystems.
Bullish
X is moving deeper into financial services as its long-awaited payments platform, X Money, enters internal testing and prepares for a wider rollout.
The initiative marks a major step in Elon Musk’s effort to transform X from a social media network into a financial ecosystem.
By combining messaging, payments, and asset management, the platform aims to become a central hub for users’ digital and financial activity.
Licensing approvals, partnerships, and beta testing progress show X Money is advancing toward public release, even as crypto investors speculate about potential integration without official confirmation.
Internal testing and beta rollout
X Money is currently being tested in a closed beta among company employees, according to Elon Musk, who shared the update during an xAI All Hands presentation in February 2026.
The platform is expected to move into a limited external beta within the next one to two months before expanding globally.
The payment system is designed to allow users to handle financial transactions directly within X, enabling transfers, payments, and financial management without separate apps.
The rollout marks a key step in Musk’s strategy to expand X beyond social networking by integrating financial services.
Licences and partnerships support expansion
X has secured money transmitter licences in more than 40 US states, allowing it to operate payment services across much of the country.
These approvals are essential for moving funds between users and building financial infrastructure.
The company also established partnerships with major payment providers, including Visa, last year. These collaborations are expected to support payment processing, compliance, and transaction reliability.
The regulatory progress and partnerships indicate X Money is moving closer to full deployment and positioning X to compete with digital wallets and payment platforms.
Crypto speculation focuses on DOGE and XRP
Crypto investors have closely followed X Money’s development, viewing it as a possible gateway for digital asset payments. However, X has not confirmed whether cryptocurrencies will be supported.
Speculation around Dogecoin has emerged due to its association with Elon Musk and suitability for micropayments.
Dogecoin to be integrated into 𝕏 Money very soon. Get ready.
Dogecoin will become the official currency on X
Another narrative centres on XRP due to Cross River Bank’s involvement in processing payment flows for X.
Cross River Bank has integrated Ripple’s protocol since 2014 to enable real-time cross-border payments between the US and Western Europe, creating expectations among investors.
Super app vision drives long-term strategy
X Money forms a key part of Musk’s plan to transform X into a platform combining communication, commerce, and financial services.
The company aims to increase monthly active users beyond 600 million and eventually reach 1 billion.
This strategy mirrors platforms such as WeChat, which integrate messaging, payments, and digital services into a single ecosystem.
By allowing users to manage messaging, shopping, and transactions in one place, X Money could expand X’s role in users’ daily lives.
As X Money moves closer to public release, its impact on digital payments and potential links to crypto markets will become clearer. The rollout marks a major step in X’s expansion into financial services.
The post Elon Musk pushes X into finance as X Money prepares for global launch appeared first on Invezz
In This News
Coins
$ 1.42
-0.61%
$ 0.0974
-2.63%
$ 0.0000595
+0.89%
$ 0.00212
-1.64%
Share:
In This News
Coins
$ 1.42
-0.61%$ 0.0974
-2.63%$ 0.0000595
+0.89%$ 0.00212
-1.64%Share:
Read More
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Elon Musk pushes X into finance as X Money prepares for global launch
Feb, 12, 2026
3 min read
by Diya Poddar
for Invezz
Share:
AI Overview
Elon Musk's X Money is in internal testing and aims for a global rollout to revolutionize financial services by integrating payments with messaging. The service has secured money transmitter licenses across 40 US states and partnerships with major providers like Visa to facilitate transactions. As speculation grows about potential Dogecoin and XRP support, X Money is positioning itself as a significant player in both traditional and crypto financial ecosystems.
Bullish
X is moving deeper into financial services as its long-awaited payments platform, X Money, enters internal testing and prepares for a wider rollout.
The initiative marks a major step in Elon Musk’s effort to transform X from a social media network into a financial ecosystem.
By combining messaging, payments, and asset management, the platform aims to become a central hub for users’ digital and financial activity.
Licensing approvals, partnerships, and beta testing progress show X Money is advancing toward public release, even as crypto investors speculate about potential integration without official confirmation.
Since xAI was formed just 30 months ago, the small and talented team has made remarkable progress. The future has never looked more exciting!
Internal testing and beta rollout
X Money is currently being tested in a closed beta among company employees, according to Elon Musk, who shared the update during an xAI All Hands presentation in February 2026.
The platform is expected to move into a limited external beta within the next one to two months before expanding globally.
The payment system is designed to allow users to handle financial transactions directly within X, enabling transfers, payments, and financial management without separate apps.
The rollout marks a key step in Musk’s strategy to expand X beyond social networking by integrating financial services.
Licences and partnerships support expansion
X has secured money transmitter licences in more than 40 US states, allowing it to operate payment services across much of the country.
These approvals are essential for moving funds between users and building financial infrastructure.
The company also established partnerships with major payment providers, including Visa, last year. These collaborations are expected to support payment processing, compliance, and transaction reliability.
The regulatory progress and partnerships indicate X Money is moving closer to full deployment and positioning X to compete with digital wallets and payment platforms.
Crypto speculation focuses on DOGE and XRP
Crypto investors have closely followed X Money’s development, viewing it as a possible gateway for digital asset payments. However, X has not confirmed whether cryptocurrencies will be supported.
Speculation around Dogecoin has emerged due to its association with Elon Musk and suitability for micropayments.
Dogecoin to be integrated into 𝕏 Money very soon. Get ready.
Dogecoin will become the official currency on X
Another narrative centres on XRP due to Cross River Bank’s involvement in processing payment flows for X.
Cross River Bank has integrated Ripple’s protocol since 2014 to enable real-time cross-border payments between the US and Western Europe, creating expectations among investors.
Super app vision drives long-term strategy
X Money forms a key part of Musk’s plan to transform X into a platform combining communication, commerce, and financial services.
The company aims to increase monthly active users beyond 600 million and eventually reach 1 billion.
This strategy mirrors platforms such as WeChat, which integrate messaging, payments, and digital services into a single ecosystem.
By allowing users to manage messaging, shopping, and transactions in one place, X Money could expand X’s role in users’ daily lives.
As X Money moves closer to public release, its impact on digital payments and potential links to crypto markets will become clearer. The rollout marks a major step in X’s expansion into financial services.
The post Elon Musk pushes X into finance as X Money prepares for global launch appeared first on Invezz
In This News
Coins
$ 1.42
-0.61%$ 0.0974
-2.63%$ 0.0000595
+0.89%$ 0.00212
-1.64%Share:
In This News
Coins
$ 1.42
-0.61%$ 0.0974
-2.63%$ 0.0000595
+0.89%$ 0.00212
-1.64%Share:
Read More
The great rotation: why global capital is fleeing US shores in 2026
The era of “US Exceptionalism” is facing its sternest test in years as global investo...
Feb, 21, 2026
by Invezz
Financial astrology: why some investors trust stars over spreadsheets
Amid the intensity of Wall Street trading, investors are increasingly turning to AI-d...
Feb, 21, 2026
by Invezz