X is moving deeper into financial services as its long-awaited payments platform, X Money, enters internal testing and prepares for a wider rollout.

The initiative marks a major step in Elon Musk’s effort to transform X from a social media network into a financial ecosystem.

By combining messaging, payments, and asset management, the platform aims to become a central hub for users’ digital and financial activity.

Licensing approvals, partnerships, and beta testing progress show X Money is advancing toward public release, even as crypto investors speculate about potential integration without official confirmation.