#XSuperApp Hello, community! 👋
Elon Musk and his CEO, Linda Yaccarino, have revealed ambitious plans to transform X into a one-stop platform: users will soon be able to invest, trade stocks and cryptocurrencies, make P2P payments, and even use debit/credit cards within the app. This represents a clear attempt to emulate WeChat’s model, where everything flows through a single platform.
💡 Elements confirmed so far:
X Money: Digital wallet with support for Visa Direct, P2P transfers and in-store payments, planned for 2025.
X Card: Wallet-linked debit/credit, possibly launched this year.
Trading and investing: Integration of stocks, ETFs and even crypto from the X interface itself.
🧭 Criticism and key debates:
Will cryptocurrencies like BTC or DOGE be integrated?
Although not confirmed, Musk's track record (Tesla accepts BTC/DOGE) and the X Money ecosystem make its inclusion for payments and trading likely.
Challenging regulation
Combining social media with financial services will require meeting rigorous regulatory requirements (licensing, KYC/AML), especially in the US.
🧠 My opinion and what users should consider:
Would you use X for payments and trading?
Yes, as long as there are guarantees of security, customer protection, and a competitive commission. The convenience of a superapp is attractive, as long as high standards are met.
What does X need to compete?
1. Transparent crypto coverage: BTC, ETH, DOGE, and stablecoins with integrated wallet.
2. Low fees and liquidity comparable to exchanges.
3. Regulatory reliability to operate without legal surprises.
4. A seamless experience for developers and creators, especially by integrating loyalty, tips, and direct monetization.
Do you think X could become a realistic financial superapp in the West? Would you use X to send money, invest, or buy crypto? What guarantees do you look for before trusting it with your wallet?
