X is officially banking its way into the future with X Money, powered by Cross River’s regulated fintech infrastructure. The platform will enable peer-to-peer payments, FDIC-insured accounts, and Visa debit cards—all part of Elon Musk’s grand vision to turn X into the ultimate “everything app.” While crypto isn’t yet on the table, Cross River’s existing capabilities hint at potential future integration. After years of planning and phased testing—from a limited beta in 2025 to a wider rollout in 2026—X is now securing licenses across 40 U.S. states and FinCEN registration, laying the groundwork for a full financial ecosystem right on the platform.
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