Cross River将为X Money提供点对点支付和银行服务支持

cointelegraphPublished on 2026-07-27Last updated on 2026-07-27

Abstract

金融科技银行Cross River宣布，将为X公司旗下的金融服务平台X Money提供银行基础设施支持。X Money正被整合进社交媒体平台X，此举旨在推动X转型为“万能应用”。Cross River的银行平台与支付网络将支持X Money推出P2P支付、联邦存款保险公司（FDIC）承保的计息账户以及Visa借记卡等服务。该公司表示，其基础设施设计也支持未来推出更多金融产品。 X Money已于2025年5月进入有限范围的内部测试，并于2026年3月启动小范围外部测试，为全面发布做准备。埃隆·马斯克自2022年起便透露打造“万能应用”的愿景，X平台目前已在美国超过40个州获得货币传输牌照，并已在金融犯罪执法网络注册，以支持其P2P支付功能。公告中未提及对加密货币或稳定币的支持。

Cross River周一宣布，将为X平台正在整合的金融服务平台X Money提供银行基础设施，支持点对点支付、FDIC保险的计息账户以及Visa借记卡功能。

该公司表示，其银行平台和支付渠道将为该服务提供支持，随着X持续推进成为“万能应用”的计划，其基础设施旨在随着时间推移支持更多的金融产品和服务。

Cross River通过其受监管的银行平台和支付渠道，为金融科技和科技公司提供支付、卡业务、贷款和加密货币服务的嵌入式金融基础设施。此次公告未提及对加密货币或稳定币的支持。

埃隆·马斯克在2025年5月证实X Money已进入有限范围的Beta测试，表示初期推广将受限，因为处理用户储蓄时需要“极度谨慎”。该服务于2026年3月扩大至有限的外部Beta测试，为更广泛推出做准备。

马斯克至少从2022年起就开始预告X Money，当时他将收购Twitter描述为“加速创建万能应用X的催化剂”。此后，X已在全美超过40个州获得货币转账牌照，并在金融犯罪执法网络注册，以在平台上启用点对点支付功能。

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Related Questions

QCross River 将为 X Money 提供哪些具体的银行基础设施支持？

ACross River 将利用其受监管的银行平台和支付通道，为 X Money 提供支持点对点支付、由 FDIC 承保的计息账户以及 Visa 借记卡的银行基础设施。

Q为什么 Elon Musk 对 X Money 的初期推广持谨慎态度？

A因为 Musk 认为处理用户的储蓄需要“极度谨慎”，所以初期推广被限制在有限的范围内，进入小范围的测试阶段。

Q为了支持 X Money 的金融服务，X 公司在监管合规方面做了哪些准备？

AX 公司已经在美国超过 40 个州获得了货币转账许可证，并在金融犯罪执法网络进行了注册，以使其平台上能够启用点对点支付。

Q根据 Cross River 的说明，X Money 的服务基础设施设计考虑了未来的什么？

A其基础设施被设计成能够支持未来新增的金融产品和服务，这与 X 旨在成为“万能应用”的愿景一致。

Q这篇文章中提到的 Cross River 公告，是否包含对加密货币或稳定币的支持？

A没有，这篇公告没有提及对加密货币或稳定币的支持。

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