---
title: "<p>Bros, <span class=\"security-tag\" type=\"security-tag\" counter_id=\"ST/US/TSLA\" name=\"Tesla, Inc.\" trend=\"0\" language=\"en\">$Tesla(TSLA.US)</span> is still falling so much today! I get trapped every time I enter, I really fell into a trap. After the earnings report came out last night, the stock price skidded, and I'm losing money (currently). Seems like it's over for breaking even, bros, let's go!</p>"
description: "🚀🔥Elon Musk isn't just doing social media; X Money is directly targeting &#34;your bank&#34;—this move is more crucial than you think. Most people still see $Tesla(TSLA.US) as a car company and X as"
type: "topic"
locale: "en"
url: "https://longbridge.com/en/topics/38738047.md"
published_at: "2026-02-13T23:05:32.000Z"
author: "[辰逸](https://longbridge.com/en/profiles/16318663)"
---

# <p>Bros, <span class="security-tag" type="security-tag" counter_id="ST/US/TSLA" name="Tesla, Inc." trend="0" language="en">$Tesla(TSLA.US)</span> is still falling so much today! I get trapped every time I enter, I really fell into a trap. After the earnings report came out last night, the stock price skidded, and I'm losing money (currently). Seems like it's over for breaking even, bros, let's go!</p>

🚀🔥Elon Musk is not just building a social media platform; X Money is directly targeting "your bank"—this step is more crucial than you think.

Most people still see $Tesla(TSLA.US) as a car company and X as a social platform.

But if you look closely at Elon Musk's strategy, you'll find:  
What he's trying to do is redefine how "money" flows on the internet.

And X Money is a core component of this structure.

Layer 1: It's not a payment feature, but a digital wallet foundation

X Money is designed as a digital wallet system directly embedded within the X app.

Its goal is not "one more transfer button,"  
but to allow users to complete within a single app:

Transfers  
Payments  
Savings  
Investments  
Creator monetization

In other words, X is no longer just an information flow, but an entry point for capital flow.

What does this step mean?

It means social relationships will directly become financial relationships.

Layer 2: Instant P2P + Visa Direct is an efficiency revolution

X Money partners with Visa Direct to support real-time peer-to-peer payments.

This is different from traditional bank transfers:

No need to wait days for clearing  
No cross-bank delays  
Almost instant settlement

If this experience is smooth enough,  
many people will feel for the first time—  
"Banks" can actually be weakened.

Layer 3: X Money Card begins entering the consumption scene

The planned physical and virtual debit cards,  
with virtual cards supporting online shopping and offering 1% cashback.

This step is important.

Because only by entering the consumption stage  
does the wallet truly form a closed loop.

Payment + Consumption + Cashback + Retained funds

This is no longer just a tool, but a financial ecosystem.

Layer 4: Creator funds no longer leave the platform

Creators can directly receive tips and subscription income in their wallets,  
without needing to withdraw to a bank.

This means:

Creator income → Wallet balance → Direct consumption

If funds don't flow out of the system,  
the platform's financial attributes will grow stronger.

Layer 5: XChat integration, social is payment

Future XChat will integrate payment functions.

Direct transfers and splitting bills during video calls and group chats.

If successful, X will become:

Social + Messaging + Video + Wallet + Consumption

This is the "super app" Musk talks about.

Layer 6: Global expansion and regulatory progress

X Money has obtained money transmitter licenses in over 40 US states,  
currently in an internal closed beta phase.

Expected public release in the first half of 2026.

This is not a conceptual stage,  
but has already entered the compliance advancement phase.

Layer 7: Potential integration of crypto assets

Although initially focused on fiat currency,  
future goals include:

Bitcoin  
Ethereum  
Dogecoin

If digital assets are directly integrated into the wallet system,  
then X will become:

A unified entry point for Traditional Finance + Digital Assets.

Here's the question.

When a platform with global user traffic starts to control capital flow,  
is it still just social media?

Would you rather keep your money in a bank,  
or in an app you use every day?

This step might have a more structural impact than autonomous driving.

📬 I will continue to track key inflection points for X, Elon Musk, and fintech structural changes.  
If you focus on long-term trends, not short-term noise, subscribe to see the changes in the next phase together.

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> **Disclaimer**: This article is for reference only and does not constitute any investment advice.
