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Elon Musk’s X may launch a public beta of ‘X Money’ within two months, according to a post by CryptoSensei that cites an ongoing closed beta. The report suggests X plans to expand into financial services, starting with peer-to-peer payments and later connecting to digital assets. If confirmed, the rollout would mark one of the clearest product-driven steps toward Musk’s long-discussed ‘Everything App’ strategy.
CryptoSensei reported that a closed beta already runs behind the scenes. The post claimed X could open a public beta in nearly two months. Musk confirmed development on February 11, which places the expected rollout within one to two months.
The beta phase will test user adoption and technical stability. Early sign-up volume and transaction counts will serve as leading indicators of demand. As the launch will follow a phased approach, initial data will carry weight.
Strong uptake could validate the super-app thesis. Weak numbers could reveal adoption hurdles. Those early figures will shape how quickly X expands payment features across its user base.
The project aims to shift X from a social platform into a broader financial ecosystem. Users could send money, invest, and pay bills without leaving the app. This structure mirrors the WeChat-style model discussed for years in tech circles.
Under the plan, peer-to-peer transfers would drive early flows. These transfers would create on-ramps and off-ramps for digital assets within the app. Fiat would move first, while crypto links could follow later.
Some commenters expect traditional payment rails such as Visa to handle initial fiat transactions. They argue that X will likely test standard infrastructure before adding crypto support. The sequence would mirror how other platforms introduced digital asset features after stabilizing core payment systems.
Once payments enter the discussion, crypto follows quickly. CryptoSensei described X Money as a potential liquidity engine that could move fiat between users and eventually connect to digital assets. High-liquidity assets such as Bitcoin and Ethereum would likely absorb early flows due to market depth.
Speculation also surrounds meme coins with strong X user bases. Dogecoin stands out as the prime example in that discussion. The theory suggests X Money could become a new payment channel, although volatility and limited use cases add risk.
Chris Wise described the development as more than a feature update. He framed it as an attempt to build a financial super-app where users can manage multiple activities in one interface. He also noted that if crypto integration arrives, speed and cost will matter, which explains why XRP often enters the conversation.
Also Read: Dogecoin Founder Billy Markus Slams Elon Musk’s X Algorithm: Is DOGE Visibility at Risk?
Another commenter, Bagitup, pushed back. They predicted X would operate more like a marketplace than a bank. They also suggested any crypto support would likely involve multiple assets rather than a single token.
For now, the immediate catalyst remains the external beta launch. The coming weeks will determine whether users embrace X Money at scale or approach it cautiously. As the rollout nears, one question stands out: can X convert its vast social audience into active financial users?
X may launch its X Money beta within two months as part of Elon Musk’s plan to expand the platform into financial services. The rollout will test peer-to-peer payments and gauge early adoption before any broader crypto integration. Market watchers should monitor user sign-ups and transaction data closely.
