#XSuperApp X is actively transforming into a 'super-app' that includes financial tools — embedded payments, P2P transfers, investments, stock and cryptocurrency trading — all in one interface. China's WeChat is cited as the main example of such a successful approach.

• X Money — a digital wallet in partnership with Visa — is already in beta in the USA, providing instant top-ups and transfers.

• Unclear role of cryptocurrency. Despite clear expectations, CEO Linda Yaccarino did not mention crypto support in official announcements. The current integration is mainly traditional financial assets.

• Regulatory risks. Issues with obtaining licenses in different states, KYC/AML requirements, and EU checks create significant hurdles for launching crypto functions.

• High demand and potential to reach 600+ million users. The combination of social networking with finance is a serious advantage, but success depends on user trust.