X Moves US Creator Payouts From Stripe to X Money
X has relied on Stripe to distribute creator earnings and subscription revenue in the United States. Moving those payments to X Money marks a deeper push to bring monetization and financial services inside the social-media platform, reducing its dependence on an outside processor. The shift is important because payout speed, access and reliability directly affect creators who build businesses on X, while giving the company greater control over the payment experience and its relationships with users.
X said U.S. creator payouts and subscription proceeds will now be routed through X Money instead of Stripe, with the new service promoted as enabling instant access to funds. The change is mandatory for creators in the United States, while those outside the country will continue to receive payments through Stripe. X did not disclose a transition date, fee schedule or minimum payout amount in the information provided, leaving onboarding requirements and the practical timing of transfers as key details to watch.
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The history behind this eventX Money Opens Nationwide to Premium Subscribers
X is expanding beyond social media and advertising into consumer finance, with X Money forming a key part of its push to build an “everything app.” The service combines interest-bearing deposits and card rewards within X’s subscription ecosystem, putting the platform in closer competition with fintech companies and traditional banks while giving users another reason to pay for Premium access.
In September 2026, X Money became available nationwide to X Premium and Premium+ subscribers in the United States. The service offers an annual percentage yield of as much as 6% on deposits, while the X Card provides 3% cash back on purchases. Deposits are provided through Cross River Bank and are eligible for Federal Deposit Insurance Corp. protection, subject to applicable coverage limits and requirements.
X Launches X Money Wallet and P2P Payments in US
Elon Musk has long sought to turn X, formerly Twitter, into an “everything app” spanning communications, commerce and finance. X Money is central to that push, adding a deposit account-like wallet and peer-to-peer transfers to a social network already used for messaging and creator payments. The product relies on banking infrastructure from Cross River Bank and Visa’s payment network, putting X into competition with established US services including PayPal’s Venmo, Zelle and Block’s Cash App.
X said on July 27, 2026 that X Money would begin rolling out to US Premium and Premium+ subscribers, expanding beyond an earlier invite-only test. Users can make free instant transfers and receive a virtual card compatible with Apple Wallet, as well as a personalized metal Visa debit card. Premium+ customers can earn as much as 6% APY; Premium users can reach the same rate after at least $1,000 in qualifying direct deposits. Eligible card purchases earn 3% cash back.
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