In my opinion, #X超级应用转型 will launch investment trading and credit card services within the year. On June 20, 2025, Elon Musk's X platform announced an acceleration towards transforming into a 'super app', planning to launch investment trading features and X brand credit/debit cards within the year, aiming to replicate WeChat's one-stop ecosystem. CEO Linda Yaccarino revealed that the digital wallet X Money will first launch in the United States, supporting payments, savings, and creator tipping, with Visa as the initial partner. This transformation is a key step in Musk's vision of a 'universal app', integrating social, financial, and AI technologies (such as Grok intelligent investment advisory). However, regulatory challenges and advertiser trust issues remain, despite Yaccarino stating 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 a financial ecosystem, it could reshape the landscape of digital services in Western markets, but it needs to balance innovation with compliance risks.