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X Announces Partnership With Visa to Power New Digital Wallet 

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It is “another milestone for the Everything App,” said X CEO Linda Yaccarino on Jan 28. “Visa is our first partner for the X Money account, which will debut later this year,” she added.

The social media company will use Visa Direct, Visa’s solution for real-time money transfers, to load money into X Money’s wallet. The latter can be used to connect to a debit card to pay other users and to transfer money back to bank accounts.

X Money will launch later in 2025 and compete with established players such as Venmo, Cash App, and Zelle.

Payments Coming to X

“Visa Direct will make it possible for US X Money Account users to fund and transfer money in real-time with their debit card,” the credit card company confirmed.

According to CNBC, X Money will allow creators on the platform to get paid for their monetized content and store those funds directly on X rather than in a bank.

“The X Money service is expected to launch in the first quarter, and deals with more financial partners are likely,” the outlet reported, citing anonymous sources.

Podcaster Lex Fridman said, “I can’t wait for this,” before adding, “Payments, banking, etc could use a lot of innovation. Integrating crypto would be great, too.”

It has long been rumored that Elon Musk would enable Dogecoin (DOGE) payments on the platform, but there was no mention of crypto in the announcement.

Musk first started talking about his vision for making X (then known as Twitter) a financial platform soon after he took over the company. He mentioned using the platform to tip creators and get a high yield from balances held on it. X can “become the biggest financial institution in the world,” Musk said in a March 2023 interview.

App researchers have also been finding and delving into the code for the payment platform:

Regulatory Quagmire

Money transmitter licenses in the United States are not easy to obtain, and X has been working hard for the past year.

The company has been actively applying for these money service licenses, is currently licensed in 41 states, and is registered with the Financial Crimes Enforcement Network (FinCEN), according to the website.

It has also been suggested that X Money will not be available in all US states when it launches. The platform currently has around 55 million users across the United States.

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