X payments system: Could XRP become part of Elon Musk empire?

A fresh wave of speculation has hit the crypto world after a high-profile post by commentator Pumpius, who suggested that Elon Musk might integrate XRP into the new payments system being developed by X — the platform formerly known as Twitter.
No official confirmation has been made, of course. But even the mere suggestion that Musk could bet on XRP has sent shockwaves through the community. And with good reason: X now serves over 500 million users globally. If even a portion of them gain access to XRP-based crypto payments, it could reshape the balance of power in the market.
Musk, Dogecoin, and the quest for an «everything app»
Musk has never hidden his fascination with cryptocurrencies. His story with Dogecoin is a case in point. A few years ago, he openly called DOGE “the people’s currency,” and his companies — Tesla and SpaceX — began accepting it for certain products and services. At one point, he even half-jokingly promised to put the Dogecoin logo on the Moon.
But behind the jokes lies strategy. Musk’s ambition to build an “everything app” — one that enables everything from communication to payments — clearly echoes the model pioneered by Asian tech giants like WeChat. And X Money, it seems, is being designed to serve as the financial backbone of that ecosystem.
What is X Payments?
According to Musk himself, the X payments system is gearing up for its beta launch in the U.S. The platform is expected to support both peer-to-peer transfers and purchases of goods and services — essentially, an alternative to PayPal, Venmo, and other traditional solutions. What sets it apart is that it will be seamlessly embedded into the X platform, used daily by hundreds of millions of people.
So far, little is known: the launch is imminent, and broader rollout will follow. But the big question remains — which financial tools will be integrated into X Money? And this is where XRP enters the picture.
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Why XRP?
XRP is not just another token. It’s a digital asset built specifically to solve the inefficiencies of global transactions — offering speed, low cost, and borderless capability. Crucially, it already enjoys a degree of regulatory clarity in several key jurisdictions.That makes it a natural fit for a global payments infrastructure — exactly the kind Musk seems to be building.
Beyond that, XRP comes with a built-in decentralized exchange (DEX), near-instant transfers, and ultra-low fees — advantages that could help power a highly competitive financial ecosystem inside X.
XRP community pressure builds
The XRP community has long urged Elon Musk to consider their token. In posts, comments, and analysis, their arguments remain consistent: XRP is reliable, scalable, regulation-ready, and ideal for high-volume financial systems.
This time, the buzz was amplified by Pumpius, who called the potential XRP integration into X more than bullish.
Are the rumors truly random?
Musk has never publicly mentioned XRP. But his fondness for decentralized technologies, his DOGE experiments, and his openness to unconventional financial solutions suggest that integrating XRP isn’t out of the question. Especially as competitors like Telegram are already rolling out blockchain-based crypto tools of their own.
For Musk, incorporating XRP would be more than just adding another payment option. It would be a step toward building a global, censorship-resistant, flexible financial layer within his expanding digital empire.
A crypto-powered financial future
Whether these speculations prove accurate remains to be seen. But the fact that XRP is even part of the conversation signals a shift — from theoretical use cases to real-world models where crypto is no longer just a speculative asset, but a practical financial instrument.
And XRP fits the bill: technically capable, market-tested, and battle-hardened. If Musk truly aims to build a borderless financial empire, why not choose a token designed for exactly that?
This story isn’t over yet. And perhaps the real breakthrough won’t come in a flashy announcement — but in a quiet app update inside X, somewhere between your post feed and the «Send» button.