The transformation of Elon Musk's X platform into a 'super app' is a milestone event in the fusion of technology and finance. Musk has publicly supported DOGE multiple times, Tesla accepts DOGE for product payments, and the X platform has previously integrated Bitcoin's Lightning Network for tipping. The leaked X Money code from May 2025 shows reserved interfaces for cryptocurrencies, and industry insiders speculate that it may initially support DOGE or BTC for creator tips. If the U.S. 'GENIUS Act' is passed, it will clarify the rules for stablecoin issuance, and Musk could take the opportunity to launch a compliant 'X Currency.' The 'strategic Bitcoin reserve' policy promoted by the Trump administration further paves the way for crypto payments.

In the short term (2025-2026), there may be a small-scale pilot using DOGE to test regulations, and whether it can be fully integrated in the long term depends on the implementation of the 'GENIUS Act' and the progress of obtaining global licenses.

A one-stop solution for social networking, payments, and investments without the need to switch apps, emulating WeChat's successful model. Referring to X's previous strategy of not charging any fees for Bitcoin tips, if continued into X Money, it could crush traditional payment providers like PayPal.

X's ambition is to become the WeChat of the Western world, but it needs to solve two major paradoxes: Musk once envisioned a blockchain Twitter charging '0.1 DOGE per tweet,' but it was shelved due to performance issues—if X Money is fully centralized, it will deviate from the original intent of the crypto community. The accumulation of payment, social, and investment functions may lead to a bloated experience, and it needs to learn from WeChat's flexible architecture of splitting 'service modules.'

If X can integrate DOGE payment pilots, AI risk control, and low-fee cross-border networks, it could create a new species of social finance; otherwise, it risks becoming just another payment tool.