Elon Musk is making his boldest move yet in finance. The visionary billionaire behind Tesla and SpaceX is now transforming X—formerly Twitter—into a decentralized finance powerhouse. If successful, Musk could deliver the Western version of WeChat, combining social media, investing, payments, and crypto all in one app.

X to Launch Its Own Decentralized Exchange (DEX)

According to a recent post on X by crypto researcher Atlas, the platform is quietly developing into a full-fledged financial ecosystem. Linda Yaccarino, CEO of X, confirmed that in-app investing, tipping, and payments are already in the pipeline. These features will be part of X Money, a new digital finance platform currently in limited beta testing, with a broader rollout expected in 2025.

One major highlight? Visa is now an official partner of X’s upcoming DEX.

Why Musk’s Super App Vision Could Be a Game-Changer

Musk’s ultimate goal is to replicate WeChat’s super app model—but in the West. WeChat dominates in China by combining messaging, payments, e-commerce, and even government services into one platform.

By integrating a decentralized exchange, Musk gives users:

  • Full control over their funds

  • Censorship resistance

  • Lower transaction fees

  • Enhanced financial privacy

Other tech giants are taking note:

  • Meta is exploring in-app payments

  • TikTok is pushing into e-commerce

  • Telegram has already launched P2P crypto trading and tipping

But X’s existing scale and Musk’s crypto-friendly stance could give it a major first-mover advantage.

Could X Disrupt Coinbase, Robinhood, and Revolut?

Atlas warns that this move could shake up the entire fintech and crypto exchange landscape. With in-app trading of stablecoins, BTC, ETH, and tokenized assets, X could replace the need for separate apps like Coinbase, Robinhood, and Revolut.

While centralized exchanges like Binance, Bybit, Coinbase, OKX, and Upbit still handle more than 85% of crypto spot volume, decentralized exchanges (DEXs) are rapidly growing.

Top DEXs by volume today include:

  • PancakeSwap (v2 & v3)

  • Uniswap v2

  • Raydium

  • Curve Finance

The Future of Finance Will Be Cultural, Not Technical

Atlas emphasizes that mass adoption won’t come from whitepapers or technical jargon—it will come from entertainment, virality, and seamless finance integration. With X already a cultural hub, Musk may be the one to trigger the next wave of crypto adoption—not with a whitepaper, but with a viral tweet.