埃隆·马斯克宣布，X平台内置支付系统XMoney已完成内部封闭测试，预计将在未来1至2个月内推出有限的外部测试版，随后向全球用户逐步开放。该功能被定位为X生态中的核心金融模块，将支持应用内点对点转账及多种货币交易场景。
马斯克表示，XMoney将与XChat等通信功能深度整合，形成统一的“平台内金融枢纽”，鼓励用户在社交、支付、沟通等多种日常场景中持续使用X。他强调，目标是让用户“在一个应用中完成生活所需的一切”，并推动平台迈向超过10亿日活跃用户的长期愿景。
这一计划建立在过去一年的技术铺垫之上。2025年初，X已与Visa合作测试数字钱包与点对点支付功能。近期上线的XChat则引入端到端加密通信，被马斯克形容为“接近比特币级别安全”的隐私保护方案，为金融功能奠定基础。
自2022年收购并更名X以来，马斯克持续将平台从传统社交网络扩展为多功能超级应用，涵盖人工智能工具、长视频内容与支付基础设施。尽管XMoney是否会整合加密资产仍未披露，但前CEO Linda Yaccarino曾提到，X未来还将提供投资与交易相关服务，这意味着数字资产有望成为其金融生态的重要组成部分。
随着XMoney进入外部测试阶段，市场普遍认为，这一系统可能改变社交平台与金融服务的结合方式，也将进一步巩固X在全球数字支付与社交融合赛道中的战略地位。
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