Elon Musk is making his boldest move yet in finance. The visionary billionaire behind Tesla and SpaceX is now transforming X—formerly Twitter—into a decentralized finance powerhouse. If successful, Musk could deliver the Western version of WeChat, combining social media, investing, payments, and crypto all in one app.
According to a recent post on X by crypto researcher Atlas, the platform is quietly developing into a full-fledged financial ecosystem. Linda Yaccarino, CEO of X, confirmed that in-app investing, tipping, and payments are already in the pipeline. These features will be part of X Money, a new digital finance platform currently in limited beta testing, with a broader rollout expected in 2025.
One major highlight? Visa is now an official partner of X’s upcoming DEX.
Musk’s ultimate goal is to replicate WeChat’s super app model—but in the West. WeChat dominates in China by combining messaging, payments, e-commerce, and even government services into one platform.
By integrating a decentralized exchange, Musk gives users:
Other tech giants are taking note:
But X’s existing scale and Musk’s crypto-friendly stance could give it a major first-mover advantage.
Atlas warns that this move could shake up the entire fintech and crypto exchange landscape. With in-app trading of stablecoins, BTC, ETH, and tokenized assets, X could replace the need for separate apps like Coinbase, Robinhood, and Revolut.
While centralized exchanges like Binance, Bybit, Coinbase, OKX, and Upbit still handle more than 85% of crypto spot volume, decentralized exchanges (DEXs) are rapidly growing.
Top DEXs by volume today include:
Atlas emphasizes that mass adoption won’t come from whitepapers or technical jargon—it will come from entertainment, virality, and seamless finance integration. With X already a cultural hub, Musk may be the one to trigger the next wave of crypto adoption—not with a whitepaper, but with a viral tweet.
X aims to offer peer-to-peer payments, investing, and trading within the app, potentially simplifying daily financial activities and providing alternative options to traditional banking.
X’s goal is to become an “everything app” with integrated financial services, potentially consolidating your investment activities if its features meet your needs and preferences.
X’s entry could intensify competition, potentially driving traditional exchanges to innovate, integrate social features, or explore similar “super app” models.
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