X (Twitter) Plans to Launch “Money” Feature in Limited Form in 2025

🔥 Is the future of Elon Musk’s X Money plan uncertain? X continues pushing its payment features, but major obstacles remain.

Although Elon Musk’s plan to turn the X platform into a payment hub appears to have faced delays in the early approval phase, X is still moving forward with the concept — now calling it X Money instead of “X Payments.”

Earlier this week, X’s CEO Linda Yaccarino mentioned in a New Year greeting post that X Money would be one of several features planned for rollout in the coming months. Although her statement that it would “connect you in ways you never imagined” sounds somewhat exaggerated, the mention of X Money clearly shows that X is committed to pushing the project forward — even though it failed to meet Musk’s original 2024 launch timeline.

Part of the delay is due to the fact that X has not yet obtained a money transmitter license in the state of New York — a state Musk considers crucial to the early phase of the payment plan.

So far, X has obtained money transmission licenses in 38 U.S. states, but last year the company withdrew its license application in New York due to a legal objection. The document questioned whether X had the “appropriate and proper character” required to receive such authorization.

The document primarily focused on the “deeply concerning ties” between X and the Kingdom of Saudi Arabia. It pointed out that Saudi Crown Prince Mohammed bin Salman is one of the investors in Musk’s X project. Saudi Arabia has long been notorious for oppressive and brutal practices, which were allegedly “supported and amplified by the platform.”

This controversy clearly hinders X’s ability to obtain full approval across all U.S. states. However, new findings within X’s backend code reveal that the platform still intends to move forward with launching X Money, beginning with a limited rollout in certain states.

Code snippets show that X added a prompt asking, “Is X Money available in your state?” This suggests that X is considering a phased, region-based rollout instead of a nationwide launch, while continuing to address regulatory issues in states where approval is still pending.

This strategy could allow X to start the project sooner, but limited availability would significantly restrict user reach. And before X can even consider international expansion, it will face major regulatory challenges — many tied to Musk’s personal political positions.

Therefore, while X Money may launch soon, it will likely be restricted to 38 U.S. states. It may expand to other regions later — or it may not. International expansion does not appear to be part of the plan for now.

This means Musk’s ambition to build a “super app” will be heavily constrained. Launching the feature only in select areas seems counterintuitive, especially since those who would benefit the most from such a service mostly reside outside the United States.

To recap: Musk’s “super app” vision was inspired by the widespread use of WeChat in China. In China, WeChat has become a digital identity used for all types of transactions. In many places where a credit card would be used, most Chinese users simply use WeChat instead. Its convenience has made it an essential daily tool.

As early as the year 2000, when Musk worked in the digital payments field, he proposed the idea of a “super app,” initially positioning it as PayPal’s future roadmap. But the PayPal team did not adopt the idea, something Musk has always felt was a missed opportunity. Since then, he has remained committed to realizing the concept as a transformative innovation in the banking and payments sector.

However, it is worth noting that this approach has never succeeded anywhere else in the world.

Meta also attempted to replicate WeChat by building a transaction framework inside Messenger — twice — but Western users did not adopt it. Meta also tried to launch WhatsApp Payments in emerging markets but faced significant regulatory pushback.

For these reasons, the outlook for Musk’s vision appears uncertain. Public distrust of Musk and the X platform, combined with regulatory licensing barriers, further limits its chances.

Still, if Musk’s team manages to implement simple, fast, fee-free transactions within the app, X Money might still find a viable role.

But even if X Money receives full approval everywhere, I doubt its impact will be nearly as widespread as Musk envisions. And if Musk’s personal behavior continues to raise concerns among regulators, the project may not advance at all.

So, in 2025, you may or may not be able to use X Money. Either way, I doubt it will be a major change for most users.

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