#X超级应用转型 X Accelerates Transformation into Super App, Plans to Launch Investment Trading and Credit Card Services Within the Year

On June 20, 2025, Elon Musk's X platform announced the acceleration of its transformation into a "super app," planning to launch investment trading features and X-branded credit/debit cards within the year, aiming to replicate WeChat's all-in-one ecosystem. CEO Linda Yaccarino revealed that the digital wallet X Money will first launch in the United States, supporting payments, value storage, and creator tipping, with Visa as the initial partner.

This transformation is a key step in Musk's vision for a "universal app," integrating social, financial, and AI technologies (such as Grok smart investment advisory). However, regulatory challenges and advertisers' trust issues remain, even though Yaccarino stated that 96% of advertisers have returned. Emarketer predicts that X's revenue will only be $2.3 billion in 2025, far below pre-acquisition levels.

Analysts point out that if X successfully builds its financial ecosystem, it could reshape the digital service landscape in Western markets, but it needs to balance innovation with compliance risks.