X Money Wallet Launches: Crypto & Card Integration Coming in 2025—Is This the Death of Traditional Banking?

X just dropped a financial bombshell—its new X Money Wallet is live, with crypto and card integrations locked in for 2025. Move over, legacy banks; the future just got a digital upgrade.

### The Wallet Wars Heat Up

X isn’t just dipping a toe into crypto—it’s diving headfirst. The 2025 roadmap promises seamless card integration, turning every smartphone into a potential Swiss Army knife of finance. Or at least that’s the pitch.

### Why TradFi Should Sweat

No more gatekeepers, no more 3-day ACH delays. X’s play could slice through banking bureaucracy like a hot knife through… well, centralized ledgers. But let’s see if they actually deliver—after all, ‘disruption’ is easier in a press release than in reality.

### The Cynic’s Corner

Another day, another ‘revolutionary’ wallet. Will this one finally kill cash? Unlikely. But it might just give Wall Street’s old guard another reason to lose sleep.

TLDR

• X is rolling out its X Money wallet in the U.S. with Visa, enabling payments, tipping, and future trading features.

• X is transforming into a financial platform with investment tools, crypto potential, and a branded card on the way.

• X begins its finance rollout with a digital wallet that supports peer-to-peer transfers, tipping, and future in-app purchases.

• X is launching financial tools including a Visa-integrated wallet, in-app investments, and a debit/credit card by year-end.

• With X Money, card plans, and trading tools, X accelerates its pivot from social media to full financial integration.

X is pushing with its transition into finance by preparing to roll out investment and trading features on its platform. The company aims to integrate these services through its new Visa-backed X Money wallet, initially launching in the U.S. This marks the next step in transforming X from a social app into a multifunctional financial hub.

X Money Launch Begins U.S. Rollout with Visa Integration

X confirmed that X Money will serve as a digital wallet to support peer-to-peer payments, value storage, and creator tipping. Users will be able to LINK their debit cards to the platform for real-time payments and balance transfers. The partnership with Visa will allow seamless integration with banking systems, providing faster payment flows and enhanced accessibility.

The rollout will begin in the U.S. with strong emphasis on compliance, user verification, and funds protection. X aims to gain full money-transmitter license coverage across all 50 states. This enables the company to gradually expand features across jurisdictions while meeting financial regulatory standards.

The wallet’s interface is designed to function within the existing app layout, ensuring smooth usability without requiring users to download separate tools. X plans to use this service as the foundation for broader financial features. These include micro-payments, creator monetization and future integration with commerce activities within the app.

Branded Card and Investment Tools Target In-App Finance Growth

X also revealed plans to introduce a branded debit or credit card before year-end, connected directly to the X Money wallet. This WOULD allow users to make purchases online and offline, while managing transactions directly in-app. The card could serve both retail and digital purchases, unifying financial and social activities under one ecosystem.

The company is developing in-app trading and investing tools, although it has not confirmed specific asset classes . However, the existing platform already supports Bitcoin tipping via the Lightning Network and real-time price tracking through $Cashtags. These features suggest that crypto trading could be among the future additions.

The Visa partnership increases the likelihood of supporting blockchain-based currencies. Visa’s history with crypto services may play a role in expanding payment and trading tools beyond fiat. X has yet to disclose timelines for this rollout but continues to move fast toward financial integration.

Platform Transformation Aligns with “Everything App” Strategy

Since Elon Musk acquired the company in 2022, X has restructured operations around an “everything app” approach. The addition of financial features aligns with this broader strategy, combining social networking with commerce and finance. In recent months, X has also introduced services like Grok AI, X TV and integrated community tools.

Earlier this month, X announced its partnership with Polymarket to bring prediction markets into the platform. This shows continued interest in blending real-time information with financial engagement. The combination of content, community, and capital under one app positions X as a first-mover among global tech platforms.

X has already reengaged over 90% of advertisers who had left post-acquisition, according to recent internal reports. Ad revenues are expected to rise again in 2025 after two years of decline. By expanding financial tools, X is working to create new monetization channels beyond advertising.