X Money is launching in the US starting today

X Money is rolling out in the US after an invite-only beta, bringing a digital wallet, peer-to-peer payments, Apple Wallet support, and free transfers on X. The service also offers a metal Visa card tied to a user’s X handle and advertises up to 6% APY, with eligibility varying by subscription tier and deposit requirements.

The launch is a major step in Elon Musk’s push to turn X into an everything app that combines social networking, payments, commerce, and financial services. Its success will depend on user trust, regulatory execution, and whether X can convert social engagement into everyday payment behavior.