X Preparing to Become a Super App: Integrating Finance, Commerce, and Artificial Intelligence

The social media platform X, formerly known as Twitter, is getting closer to the ambition of becoming a "super app" of billionaire Elon Musk. According to the latest confirmation from CEO Linda Yaccarino, users will soon be able to trade, invest, and manage personal finances directly within the app. 🏦 X Money Officially Launched – Partnership with Visa At the center of this financial advancement is X Money, an e-wallet and peer-to-peer payment platform (, expected to launch later this year in the U.S. Developed in collaboration with Visa, X Money will allow users: Gift money )tip( to content creatorsShop for goods and servicesStore value, send and receive moneyMake financial and investment transactions without leaving the app Ms. Yaccarino stated that users will be able to "manage their entire financial lives" on X – from splitting dinner bills to investing in stocks or digital assets. 📈 Revenue Growth – But Still Not As Much As Before Musk Took Over According to data from eMarketer, X is expected to generate revenue of $2.3 billion in 2025, up from $1.9 billion in 2024. However, this figure is still much lower than the global $4.1 billion that Twitter achieved in 2022 – just before Musk took over management. ⚖️ Legal Challenges and Trust of Advertisers Despite its strong expansion, X faces many legal challenges. The shift to the financial sector may subject the company to strict oversight regarding: Financial LicenseCompliance RegulationsUser and Transaction Monitoring Mechanism Regarding advertising, Ms. Yaccarino stated that 96% of former advertisers have returned since 2022. However, many in the industry remain skeptical, especially in the context of X facing an antitrust lawsuit against the Global Alliance for Responsible Media )GARM(, accusing the organization of inciting a boycott of X under the guise of a "safety initiative." Some brands like Unilever have been removed from the lawsuit list after they resumed advertising in October 2024. However, reports indicate that some advertisers feel pressured to return – some have even been warned that they could be sued if they do not spend on advertising. 🤖 The Controversial Sale of X to xAI Recently, Elon Musk made a surprising move: selling X back to the AI company he founded – xAI, in a deal valuing it at 80 billion USD in stock, while also transferring X's 12 billion USD debt to xAI. This move has raised many legal and financial concerns, especially after a judge denied the dismissal of a shareholder lawsuit related to the initial Twitter acquisition. Many experts, such as Adam Cochran, believe that Musk may be "overvaluing xAI to legitimize the transfer of debt and user data." 📌 Conclusion: X is on the Journey to Becoming a Super Application Despite controversies and challenges, Musk's vision of an "everything app" – where users can communicate, spend money, earn money, and invest – is gradually becoming a reality. With the launch of X Money, integrated with Visa, and significant strides in AI through xAI, X is no longer just a social network but is transforming into a comprehensive technology-finance platform.