X Money

X Payments

SMQKE (@SMQKEDQG), a researcher known for covering XRP and payment infrastructure, posted screenshots confirming X Money has entered early access.
The interface shows a Money tab inside the X app, complete with Home, Rewards, and Activity sections. A test account displays a $25 balance and features Deposit, Send, and Request buttons.
<blockquote class="twitter-tweet">
 X-Money.
 Early access is now rolling out.<img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f504.png" alt="🔄"><a href="https://t.co/s06WyspNeh" rel="noopener noreferrer nofollow">pic.twitter.com/s06WyspNeh</a>
 — SMQKE (@SMQKEDQG) <a href="https://x.com/SMQKEDQG/status/2071708714982085041?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">June 29, 2026</a>
</blockquote>
<h2 id="strong-inside-the-rollout-strong">Inside the Rollout</h2>
The app pushes users toward a Direct Deposit feature that promises APY on paychecks sent into an X account. A separate “My account” panel lists a 6.00% APY rate tied to the $25 balance shown. X also previews its physical X Card.
When a follower asked what powers X Money beyond banking partner Cross River, SMQKE explained that it is fiat for now, but the plan is to integrate digital assets later. Prominent figures in the crypto space have called on Musk to <a href="https://timestabloid.com/rumor-elon-musk-to-integrate-xrp-into-the-new-payment-system-on-x/" rel="noopener noreferrer nofollow">integrate XRP into the X Payments ecosystem</a> since he announced the idea, but XRP’s involvement has not been confirmed.
<h2 id="strong-xrp-army-responds-strong">XRP Army Responds</h2>
Many community members were eager to get in on the early access program. One commenter <a href="https://x.com/i/status/2071753775899979940" rel="noopener noreferrer nofollow">asked</a> who gets access first in this rollout, and another <a href="https://x.com/i/status/2071733050874933553" rel="noopener noreferrer nofollow">asked</a> how to claim a spot. Some community members also see huge potential in this product. One user <a href="https://x.com/i/status/2071728914360348769" rel="noopener noreferrer nofollow">asked</a> whether X Money could fully replace his bank card if he switched his primary banking over to it.
The past few years have seen notable crypto-enabled cards like <a href="https://timestabloid.com/gemini-launches-xrp-credit-card-heres-why-this-is-big-news-for-xrp-holders/" rel="noopener noreferrer nofollow">Gemini’s XRP Credit Card</a> join the market, and a product backed by Musk could make notable waves in the industry.
One market participant <a href="https://x.com/i/status/2071714741144453583" rel="noopener noreferrer nofollow">questioned</a> the 6% APY on the app, surprised X would offer that just for holding money on the platform. SMQKE <a href="https://x.com/i/status/2071715830983696894" rel="noopener noreferrer nofollow">called</a> it “pretty cool,” and Dez agreed, then raised a bigger point. He <a href="https://x.com/i/status/2071725871589912584" rel="noopener noreferrer nofollow">noted</a> that banks <a href="https://timestabloid.com/xrp-holders-strong-alternatives-to-generate-yield-as-clarity-act-excludes-stablecoins/" rel="noopener noreferrer nofollow">blocked crypto firms from offering similar yields through stablecoins</a>.
<blockquote class="twitter-tweet">
 We are on X, follow us to connect with us :- <a href="https://x.com/TimesTabloid1?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">@TimesTabloid1</a>
 — TimesTabloid (@TimesTabloid1) <a href="https://x.com/TimesTabloid1/status/1934162718258499855?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">June 15, 2025</a>
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This was one of the biggest factors that stalled the CLARITY Act, but Musk faces no resistance offering it through X. He wanted to know what actually separates the two models.
<h2 id="strong-where-this-leaves-x-money-strong">Where This Leaves X Money</h2>
The replies show a user base split between excitement and skepticism. Some want in immediately and see the APY as a clear incentive to move funds onto the platform. Others question why a social media company can offer banking-style yield without facing the same regulatory friction crypto firms encounter.
The question for many investors is whether X Money can serve as a primary financial account or become a secondary wallet for smaller balances. Many others are eager to see <a href="https://timestabloid.com/rumor-xrp-could-be-adopted-for-elon-musks-x-payments/" rel="noopener noreferrer nofollow">what role XRP will play</a> on Musk’s X Payments platform.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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The post <a href="https://timestabloid.com/elon-musks-x-money-early-access-now-rolling-out-xrp-focused-researcher-reports/" rel="noopener noreferrer nofollow">Elon Musk’s X-Money Early access Now Rolling Out, XRP-Focused Researcher Reports</a> appeared first on <a href="https://timestabloid.com" rel="noopener noreferrer nofollow">Times Tabloid</a>.

Elon Musk’s X-Money Early access Now Rolling Out, XRP-Focused Researcher Reports

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