Elon Musk’s X Payments Could Revolutionize Finance with XRP and RLUSD Integration

Elon Musk just dropped a bombshell—X Payments might integrate XRP and RLUSD. This move could reshape global transactions overnight.

The Ripple Effect

Adding XRP to X’s platform bypasses traditional banking rails. Instant settlements, lower fees, and regulatory headaches for legacy institutions. Ripple’s existing infrastructure handles billions in cross-border payments—imagine that scale on X’s user base.

RLUSD’s Stablecoin Play

Musk’s own RLUSD stablecoin would anchor the ecosystem. A dollar-pegged digital asset native to X cuts out payment processors. No more 3% card fees—just seamless, borderless transactions. Because what’s a tech empire without its own currency?

Why This Changes Everything

X Payments becomes a crypto gateway for 500 million users. Buy, sell, send—all within one app. Traditional finance scrambles to keep up while Musk’s vision of a financial super-app materializes. Banks hate this one simple trick.

The Fine Print

Regulators will howl. SEC scrutiny meets XRP’s ongoing legal saga. But Musk thrives on chaos—and has the capital to fight. Meanwhile, Wall Street analysts downgrade payment stocks while quietly buying XRP.

Bottom line: When Musk moves markets, fortunes get made and broken. Just ask the short sellers. The only thing more volatile than crypto? Legacy finance’s reaction to becoming obsolete.

XRP, Elon Musk, and X Rumors And X Payments Integration Signals

What Musk Actually Said About Crypto

Back in October 2024, someone at a Town Hall meeting in Pittsburgh asked Musk directly about XRP and whether the XRP Ledger might become part of financial institutions.

Musk stated:

He was careful to add:

That’s pretty much the only time Musk has mentioned XRP publicly, and he didn’t exactly sound like he was planning anything specific. His comments stayed vague on purpose.

Why People Think XRP Makes Sense For X

Musk continues referring to X as an everything app that will do messaging, shopping, and money stuff in a single app. At the time of writing, XRP already makes fast cross-border transactions with banks and large institutions. In December 2024, Ripple released its dollar-backed business stablecoin RLUSD. They are both real time and low fees, which is what Musk claims he desires.

These rumors about Elon Musk and XRP were louder due to technical reasons as well. Cross River bank does the banking of X Money, and they have been utilizing the Ripple technology in international transfers since 2014. There is an existing relationship there, although does not imply that XRP, Elon Musk, and X are certainly collaborating. Elon Musk and XRP news go viral on social media, and most of them consist of people linking dots instead of announcements.

The Reality Check

The point is that no one has verified anything related to Elon Musk, X payments, and XRP in fact taking place. Not Ripple, not the bosses of X, not Musk. XRP, Elon Musk, and X hype is about what appears reasonable, not what has been proclaimed. Musk mentioned his grand strategies of X dealing with money however, he did not specify which cryptocurrencies he WOULD make use of.

X CEO Linda Yaccarino stated that X Money is going to launch with Visa and peer-to-peer transfers, however, there is no mention of crypto. These are rumors until somebody in charge utters words on XRP on X or RLUSD on X. When writing, no paperwork, no partnership dealings, nothing tangible yet uniting these projects.