- X Money is rumored to enter beta within two months, with a closed beta reportedly already active.
- CryptoSensei suggested X could evolve into a super-app offering payments, investing, and bill pay inside the platform.
- XRP was mentioned as a possible settlement rail only if X integrates crypto infrastructure in the future.
Elon Musk might be getting serious (again) about turning X into something much bigger than a social media app.
According to a recent post from CryptoSensei, “X Money” could enter beta testing in roughly two months. The tweet claims a closed beta is already running, with a public beta expected to follow after that. If true, this would be one of the clearest signals yet that X is moving toward financial services in a real, product-driven way — not just vague “super-app” talk.
And naturally, once payments get mentioned, crypto gets dragged into the conversation fast.
X Money Could Push X Toward a Super-App Model
CryptoSensei framed the development as a major shift in direction. The idea is that X could evolve from a traditional social platform into a multi-use financial ecosystem where users can send money, invest, and pay bills without ever leaving the app.
That’s the super-app blueprint. It’s the WeChat-style model people have been talking about for years, where the social layer becomes the front-end for everything else: finance, commerce, communication, and identity.
If X can pull even part of that off, it changes how users interact with the platform. It also changes what kind of company X becomes. Not a media company. Not a “town square.” More like a financial marketplace with a built-in audience.
Where Crypto Fits In (If It Fits At All)
The tweet also suggested that cryptocurrency settlement technology could become part of X’s financial ambitions, especially if the platform wants fast, global payment rails.
That’s where XRP gets mentioned. CryptoSensei argued that if X Money ends up integrating blockchain-based transaction rails, XRP could be a strong candidate because of its reputation for speed and low-cost transfers. The logic is pretty straightforward: if you’re building something that aims to handle cross-border payments at scale, settlement efficiency matters.
Still, it’s important to keep this grounded. The tweet does not claim that XRP integration is confirmed. It’s more of a “if X goes this route, here’s what would make sense” kind of argument.
XRP Mentioned as a Hypothetical Settlement Option
CryptoSensei’s post positioned XRP as a possible fit if crypto settlement becomes part of X Money. Specifically, it highlighted XRP’s potential use in global transfers, where speed and low fees can be a competitive advantage.
In theory, that could match what a super-app might need, especially if it wants users in multiple regions moving money quickly. But again, none of this is official. It’s speculation based on how these systems are usually built, and what technical traits would be useful.
At this stage, it’s more like a scenario being floated than a confirmed roadmap.
The Community Is Split on How This Could Roll Out
Not surprisingly, the replies to CryptoSensei’s tweet were all over the place.
Chris Wise described the idea as more than just another feature update, calling it an attempt to build a financial super-app similar to WeChat. He leaned into the idea of an all-in-one interface where people can send money, invest, and pay bills, all from the same ecosystem. He also noted that if crypto does become part of the infrastructure later, transaction speed and cost will be key factors — which is why XRP gets brought up.
Another commenter, Bagitup, pushed back a bit. They suggested that traditional payment rails like Visa would likely handle fiat transactions first, and that crypto support would come later, if it happens at all. Bagitup also argued X would probably operate more like a marketplace than a bank, and predicted that if crypto integration happens, it would likely involve multiple assets, not just one.
That take is honestly pretty realistic. Most platforms roll out the simplest payment infrastructure first, then experiment with crypto after they’ve proven the basic system works.
What This Means Going Forward
CryptoSensei’s tweet reflects a growing belief that X may be inching closer to its long-rumored financial expansion. If X Money does enter beta soon, it would mark an important step toward turning the platform into something closer to a fintech ecosystem.
But for now, it’s still early. There’s no official confirmation of timelines, and there’s definitely no confirmed crypto settlement integration. The XRP angle is a hypothesis, not a guarantee.
Still, the bigger story is clear: if X is serious about financial services, the crypto market is going to watch every move like a hawk.
