X to Launch In-App Trading and X Money in 2025, Advancing Musk’s Super App Vision

Elon Musk’s social media platform X, formerly Twitter, is set to roll out in-app trading and investment features, marking a significant milestone in its transformation into an “everything app.” Announced by X CEO Linda Yaccarino in a recent interview with the Financial Times, these features are part of Musk’s long-standing ambition to create a comprehensive financial and social ecosystem akin to WeChat. This development, expected to launch in 2025, builds on earlier integrations like the X Money digital wallet and could reshape how users interact with financial services online. While speculation abounds about potential cryptocurrency support, particularly for Dogecoin (DOGE), no official confirmation has been provided.

X’s Super App Ambition Takes Shape

Since Musk’s $44 billion acquisition of Twitter in October 2022, X has undergone significant changes to evolve beyond its social media roots. The platform’s vision is to become a “super app” that integrates communication, commerce, and financial services into a single interface. The introduction of in-app trading and investment capabilities is a key step in this direction. “You’ll be able to come to X and be able to transact your whole financial life on the platform. And that’s whether I can pay you for the pizza that we shared last night or make an investment or a trade,” Yaccarino told the Financial Times, emphasizing X’s goal to consolidate services typically spread across multiple apps.

X has already laid groundwork for this transition. In early 2025, the platform partnered with Visa to launch X Money, a digital wallet and peer-to-peer payment service currently in limited beta testing. This collaboration enables “secure and instant funding” of X wallets via Visa Direct, with a U.S. rollout planned for later this year. Musk has emphasized the need for caution during this phase, noting in a May 25 X post that “extreme care must be taken” as people’s savings are involved. The addition of trading and investment features builds on this foundation, potentially allowing users to buy and sell stocks, and possibly cryptocurrencies, directly within the app.

Challenges and Regulatory Hurdles

Integrating financial services into a social media platform presents significant challenges, particularly around regulatory compliance and user trust. Financial services are subject to stringent laws across jurisdictions, requiring X to navigate complex regulatory frameworks. “Regulatory compliance is a significant barrier, particularly when adding financial services that must adhere to stringent laws across different jurisdictions,” noted a report on super app trends. Additionally, ensuring data security and user trust is critical, as X’s primary identity as a social platform may raise concerns about handling sensitive financial information.

X’s advertising environment also complicates its financial pivot. Following Musk’s 2022 acquisition, many advertisers pulled back due to concerns over content moderation, impacting revenue. The platform’s push into financial services could help diversify income streams, but it must balance this with maintaining user engagement and trust. The recent transfer of X’s ownership to Musk’s AI company, xAI, in an all-stock deal valuing X at $33 billion, further complicates the financial landscape, with some analysts questioning the valuation’s implications for user data and liabilities.

Broader Implications and Looking Ahead

X’s move aligns with a broader trend of tech platforms integrating financial services. WeChat’s success in combining messaging, payments, and commerce serves as a model, and X’s ambitions could challenge incumbents like Robinhood and SoFi in the trading space. For the crypto industry, X’s potential entry into trading could drive mainstream adoption, particularly if cryptocurrencies are included.

X’s trading and investment features are poised to debut in 2025, with the X Money app expected to launch first in the U.S. While the prospect of crypto support excites the community, X’s focus appears to be on creating a comprehensive financial ecosystem rather than a crypto-specific platform. As Musk continues to push X toward his super app vision, the platform’s ability to balance innovation, regulation, and user trust will determine its success in this competitive landscape.