X, formerly Twitter, is preparing to launch a suite of financial tools aimed at transforming the platform into a full-service super app. These upcoming features include in-app trading and investment capabilities, according to a report by Financial Times. The decision is also a part of the long-term strategy developed by Elon Musk to transform X into a serious competitor of well-established fintech companies, such as Robinhood.

X to Offer In-App Trading and Investment Services

X CEO Linda Yaccarino tested the integrity of the statement which the users will be able to trade and manage investments soon on the platform. In an interview with the Financial Times, Yaccarino stated that the new services will be native to the app and will not require third-party integration.

“You’ll be able to come to X and be able to transact your whole financial life on the platform,” she said. The platform plans to offer seamless experiences, allowing users to complete payments or execute trades within the app interface. However, the company has yet to provide an official rollout date for the financial tools.

Yaccarino also revealed plans to introduce an X-branded credit or debit card before year-end. The company has already made progress in payments, including the development of a peer-to-peer payment system and a digital wallet. X has reportedly partnered with Visa to facilitate these services.

Financial Features Bring X Into Fintech Competition

With these changes, X is stepping directly into fintech territory.The intended services indicate that the platform will be competing with Robinhood, which at the time of writing promises trading with stocks, ETFs, and cryptocurrencies. X tries to correct this situation by adding investment tools and digital payments in order to become a one-stop platform focusing on social and financial activities.

The platform has also been developing integrations of stablecoins, and it has joined such large companies as Apple and Airbnb to enter the field of digital finance. Such integrations would improve liquidity and allow the app to make quick and cheap transactions.

Analysts believe the move to the financial business will bring more users. Nevertheless, X has to comply with several regulators such as the U.S. Securities and Exchange commission and the financial crimes enactment coasts.

Super App Vision Driven by Musk’s Broader Strategy

X is likely to be turned into a super app as a strategic move that Elon Musk has long advocated. In 2023, Musk also rebranded Twitter to X as a hint that Twitter will shift towards wider services such as messaging and video, commerce, and finance.

The system has also hinted at a future release of a new messaging system called the “XChat,” which has better encryption and decentralization. It will supposedly be written in Rust programming and may use verification via blockchain, but they are still scarce on technical details.

All new XChat is rolling out with encryption, vanishing messages and the ability to send any kind of file. Also, audio/video calling.

This is built on Rust with (Bitcoin style) encryption, whole new architecture.

— Elon Musk (@elonmusk) June 1, 2025

To ensure that the platform remains intact, X has been taking no-nonsense policies on bots and bad actors. In the recent crackdown, several crypto-related accounts (Pump.fun and its owner) were temporarily blocked. The suspensions have been released, although X is still keeping an eye on the activity to preserve its user base.

Regulatory and Infrastructure Challenges Ahead

Although it is apparent what X wants to achieve, it is not easy. The Derivative is required to obtain the permits to conduct business as a payment and investment service provider in the major jurisdictions. This comprises the acquisition of Money Transmitter Licenses (MTLs) and the satisfaction of their anti-money laundering (AML) rules.

Future features are predicted to be an addition of Know-Your-Customer (KYC) processes to support financial regulations, as perceived by industry sources. X has not revealed details on what kind of infrastructure it uses to run these services, only that it will focus on the protection of user data and the security of transactions.

When X is deploying these, it is venturing into an extremely regulated and competitive industry. Nevertheless, the support of Elon Musk and such important strategic partners as Visa might ensure that the platform finds a place in the field of digital finance.