Why X Money Still Has No Crypto, Despite the Rumors

At launch, X Money runs entirely on ordinary money: P2P transfers, a Visa debit card, yield on your balance — no bitcoin, no XRP, no stablecoins anywhere in the product. And yet, rumors about an imminent crypto integration have persisted for months.

Where the rumors actually come from: X Money's banking partner, Cross River Bank, has run Ripple's protocol for cross-border payments since September 2014 — an 11-year-old partnership that's still active today. That fact alone is what pushed part of the XRP holder community to speculate that X Money could eventually add blockchain-based settlement infrastructure, crypto.news notes.

What matters here: neither X nor Cross River Bank has officially confirmed any plans to integrate XRP or any other cryptocurrency — the rumor's source is entirely user speculation based on existing banking infrastructure, not an announced product roadmap, CoinGape notes.

What this means in practice: given Elon Musk's long history with cryptocurrency (including his public support for Dogecoin), expecting crypto features in X Money is a reasonable guess — but for now, that's all it is, a guess, not a confirmed fact. We've already covered X Money's launch and will keep watching for any real crypto support to show up in the product.

This article is for informational purposes only and does not constitute investment advice.