The platform X, formerly known as Twitter, is actively moving towards realizing Elon Musk's ambitious vision — the creation of a universal super app. A new phase in the transformation was marked by the launch of investment and trading features under the X Money brand, which will initially be available to users in the US. This step brings X closer to a model reminiscent of China's WeChat — a multifunctional hub for communication, payments, and everyday tasks.
X Money features fit perfectly into the X ecosystem — the platform is gradually gaining fintech muscle. Services will be developed in collaboration with Visa, which was loudly announced back in January. In the arsenal — instant transfers between banks and digital wallets, plus trading and investments.
Although it is not yet specified which asset classes will be available to users (stocks, cryptocurrencies, ETFs, etc.), market experts suggest that X aims at a broad audience of retail investors and crypto enthusiasts. The platform has already integrated support for $Cashtags — a tool that displays real-time prices for popular digital assets, including Bitcoin and Ethereum. Moreover, X users can send tips to content creators through the Lightning Network — a secondary protocol for fast $BTC payments.
Musk does not hide his desire to turn X into something more than just a microblogging platform.
"We are building an infrastructure that will allow communication, finance, and content to unite in one space," he commented earlier.
In recent months, there have been increasing insights that Apple, Google, and X are competing in the race for leadership in the super app segment. In particular, there is talk of a possible integration of stablecoins, which could serve as digital 'fuel' for such platforms.
The integration of trading and investments also seems a logical continuation of Musk's ambitions to create a new financial internet. Especially considering the fragmentation of modern platforms: some offer content, others — payments, and others — investment tools. X wants to combine all of this under one roof, breaking the old model and offering a more convenient, intuitive ecosystem.
Observers note that such a turn could shake not only the social media market but also traditional banking.
"If X manages to achieve even half of what is planned, banks and brokers will feel the pressure," says one analyst from FT.
A platform that combines the user experience of a social network with lightweight fintech solutions could become a disruptive player on both fronts.
