X Money: Integrating payments into the core of X's 2025 strategy

The introduction of the X Money marks a turning point for the platform. By combining payments, cryptocurrency and opportunities for creators, X could redefine how users interact and monetize online. It remains to be seen whether the company will overcome regulatory challenges and compete effectively with established leaders. At the dawn of 2025, the battle for the domination of digital payments intensified, and X seemed ready to play a key role in this revolution.

FACTS

• The social media society X, formerly known as Twitter, announced its ambition to become an all-in-one platform by launching its payment feature called X Money in 2025.

• The company's CEO confirmed this initiative, revealing that licences needed to conduct transactions have been obtained gradually.

• Analyst Aaron Perris recently shared information on X, suggesting that X Money could first be launched in the United States before a national expansion.

• During the Consumer Electronics Show (CES) 2025 In Las Vegas, the X managers confirmed that this feature would support peer-to-peer payments and introduce tools that promote opportunities for content creators.

ISSUES

• A transformation of the platform Adding a payment system turns X into a major player in digital payments, going beyond its initial role as a social network.

• Creating new economic opportunities : Peer payments and creative tools could attract millions of additional users, increasing commitment and diversifying revenue sources.

• The integration of cryptocurrency : If cryptocurrency is integrated, X could revolutionize digital payments, facilitating fast and inexpensive transactions, but also strengthening its image as a technological innovator.

• Increased competition By attacking giants like PayPal or Venmo, X will have to stand out with a unique value proposition and fast adoption by users.

PERSPECTIVE

• The approach to financial services is part of a trend where large social platforms seek to integrate financial services. Like WeChat In China, which combines messaging, payments and e-commerce, X aims to become a universal application ("super-app"). This strategy occurs in a context of strong competition:

• Meta introduced payment features on WhatsApp in certain markets such as India and Brazil.

• Apple Pay and Google Pay continue to evolve, consolidating their market share in digital payments.

• By adopting a cryptocurrency approach, X could also capture the interest of new users sensitive to these technologies. However, regulation remains a major obstacle, particularly in the United States, where approval in the 50 states could delay its overall deployment.

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