Bros, $Tesla(TSLA.US) 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!

🚀🔥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.