Crypto Speculation Grows Around X Money as Platform Eyes Payments Expansion

Highlights:

Bier joined X in mid-last year and now leads product development for financial and social features. He also serves as an advisor to Solana Labs, which explains why Solana-linked developers reacted quickly. His role places him at the center of X’s payment and financial product strategy.

Elon Musk confirmed in February that X Money will launch publicly in April. The service will allow users to send peer-to-peer transfers, deposit funds, and use a Visa-backed debit card. It will also include cashback rewards and operate through a licensed subsidiary across more than 40 U.S. states.

X tested the product in a closed beta in March with selected users before the public rollout. Product details from testing show that X Money may offer a 6% annual yield on user deposits. This feature places the product in competition with crypto savings and stablecoin yield services.

Crypto Speculation Drives Market Reactions And Feature Expectations

Crypto speculation spread across X after Bier’s post reached millions of users and triggered feature discussions. Users linked the post to possible DOGE and BTC integration within the upcoming X Money service. These assumptions follow Elon Musk’s past support for Bitcoin and Dogecoin on social media.

Think it’s time to launch $DOGE tipping on X.

Anyone else agree?

— 𝓣 𝓞 𝓟 𝓓 𝓞 𝓖 𝓔 (@TOPDOGE007) April 14, 2026

Fred Krueger responded on X and called for native Bitcoin support directly within the platform. Another user suggested that creators should receive payments in USDC, a stablecoin, to improve speed and reduce volatility. These responses indicate that users expect direct crypto payment features within the app.

At the same time, Solana developers and ecosystem members publicly reacted to Bier’s post. The official Solana account replied with an eyes emoji, which drew attention across the crypto community.

This reaction gained interest because Bier serves as an advisor to Solana Labs. However, X and Solana have not confirmed any partnership related to payments or crypto integration. The connection remains speculative at this stage.

Some users also mentioned Smart Cashtags as a feature that is likely to be released in the near future. They believe the tool could allow real-time tracking of crypto and stock prices within posts. Others expect X to support direct trading from posts without requiring users to leave the app.

Platform Builds Financial Ecosystem Through Payments And Earlier Features

X has launched a variety of financial products to facilitate payments and creator monetization. The platform launched Tips to allow users to send payments through services like Cash App and Venmo. This feature enabled direct financial support between users and creators.

X later added Bitcoin Lightning support to allow faster crypto payments within the platform. The platform expanded Bitcoin tipping to more regions, which allowed users to send payments globally.

It also incorporated the Ethereum Name Service to enable users to attach wallet addresses to profiles. It launched Smart Cashtags to allow users to follow the prices of crypto and stocks within posts. These features prepared the platform for deeper financial integration.

Upon rebranding to X, the organization diversified its financial strategy. Elon Musk obtained money transmitter licenses in over 30 American states to facilitate licensed payment services. These licenses allow X to operate financial services at scale across the country. Crypto users are speculating that the platform will make more collaborations with blockchain companies in the future.

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