this floats the idea out there and it is practical and will make the X investment good to go,
all good.
Captain Kirk Has X Money
March 4, 2026 by Brian Wang
https://www.nextbigfuture.com/2026/03/captain-kirk-has-x-money.html
William Shatner, Captain Kirk, gave screenshots of the live X Money UI. X Money (also called X Payments or the payments/wallet feature inside the X app) is Elon Musk’s long-planned move to turn X into a super app like WeChat. Handling P2P transfers, wallets, debit cards, bills, shopping, creator payouts, and eventually banking/investing/crypto all in one place tied to your X profile/social graph.
It is not fully released to the general public, BUT a limited external beta is now LIVE for select testers/invitees. Internal closed beta among X employees has been running since at least February 2026.
Beta users see
In-app Money tab with real-time USD balance.
Instant send/receive/request money (like a DM).
Direct deposit setup.
6% APY on cash balances.
X Debit Card (metal-looking in screenshots) with cashback.
Identity verification step for full features.
Funds held via banking partner Cross River Bank (FDIC-insured up to $250k pass-through. X Payments LLC is not a bank).
Regulatory foundation (fully public).
X Payments LLC (NMLS #2404946) is registered with FinCEN as a Money Services Business.
Money transmitter licenses (MTLs) secured in ~42 jurisdictions (40+ states + DC).
Alabama through Wyoming with exact license numbers. New York is notably absent so far due to past regulatory pushback.
Long-standing Visa partnership (announced 2025) for instant wallet funding, cards, and P2P.
Future roadmap teased (not in beta yet)
high-yield savings,
loans,
in-app investing/trading,
crypto/stablecoin integration,
bills,
shopping, etc.
Your X profile literally becomes your financial identity is what Chamath is talking about
That thread lays out the full Elon vision (internal beta live, licenses, Visa, WeChat-style everything app, X profile = financial ID, trillions in payments opportunity, valuation upside, etc.).
Your X identity/following becomes a financial asset — others will underwrite it. Building an audience and posting quality content could literally help you get loans/credit/investments.
Stablecoins explode and yield flows to users (not banks/platforms) because of the social layer + transparency.
Fraud collapses — the cost of being a bad actor skyrockets because you risk getting sidelined from the entire ecosystem (social + financial).
Bolding Going into X Money
He ends by calling it “Exciting, as a user, to be a part of this…”
No comments:
Post a Comment