X Money has announced that all Premium and Premium+ subscription users with U.S. accounts can access the service; eligible users can enter the service through the Money tab in the sidebar.

This scope is clearly limited to U.S. accounts and the two paid subscription tiers, excluding non-U.S. accounts and not announcing access for free users. The product's entry point is directly embedded in the sidebar of the main X interface, rather than being distributed as a standalone financial application.

X previously advanced the Money service through limited testing, and with this expansion, Premium and Premium+ have become the first large-scale access groups in the U.S. market; the official announcement did not disclose specific supported payment channels, single transaction or account limits, fund custodians, rates, or regional expansion timelines.

The X Premium subscription system in the U.S. has long been divided into multiple tiers, with Premium and Premium+ covering differences in verification, content distribution, creator tools, and advertising experience; the addition of Money further binds payment account access to paid membership status. Public third-party subscription price data shows that the Premium monthly fee is about $8, and the Premium+ monthly fee is about $40, with actual prices still subject to adjustment based on subscription method and region.

In terms of product design, the Money tab serves as a unified entry point between social content streams, creator interactions, and account fund operations. If future integrations include instant personal transfers, balances, bank cards, or merchant settlements, X could directly facilitate payment actions within its user relationship network without requiring users to switch to external financial applications; currently, the official announcement does not list these functional details.

In terms of market mechanisms, X first opens to willing-to-pay high-active users in the U.S., effectively screening early paying users by subscription identity: the buyers are subscribers seeking convenience for social transfers and creator settlements, while the sellers or payees will be creators, merchants, and service providers within the platform. If funds are deposited in the X Money balance system, the platform can gain transaction frequency, account relationships, and consumer behavior data; traditional payment applications, card issuers, and independent creator payment tools will face pressure from user entry being intercepted by social platforms.

Source: Public Information