Cross River va permettre les paiements de pair à pair et les services bancaires pour X Money

cointelegraphPublicado a 2026-07-27Actualizado a 2026-07-27

Resumen

Cross River annonce qu'il fournira l'infrastructure bancaire pour X Money, la plateforme de services financiers intégrée à X. Cela permettra des paiements pair-à-pair, des comptes rémunérés assurés par la FDIC et des cartes de débit Visa. La société utilisera sa plateforme bancaire régulée pour soutenir ce service, s'inscrivant dans l'ambition de X de devenir une "application à tout faire" et en prévoyant d'ajouter d'autres produits financiers. Elon Musk avait confirmé le début de tests bêta limités en mai 2025, soulignant une extrême prudence avec l'épargne des utilisateurs, avant une phase bêta externe en mars 2026. X détient déjà des licences de transmission de fonds dans plus de 40 États américains et s'est enregistré auprès des autorités financières pour activer les paiements sur sa plateforme.

Cross River a annoncé lundi qu'il fournira l'infrastructure bancaire pour X Money, la plateforme de services financiers en cours d'intégration dans X, permettant les paiements de pair à pair, des comptes rapportant des intérêts assurés par la FDIC et des cartes de débit Visa.

La société a déclaré que sa plateforme bancaire et ses réseaux de paiement alimenteront le service tandis que X poursuit sa transformation en "application universelle", avec une infrastructure conçue pour supporter à terme des produits et services financiers supplémentaires.

Cross River fournit des infrastructures financières intégrées pour les paiements, les cartes, le crédit et les services de cryptomonnaie aux entreprises fintech et technologiques via sa plateforme bancaire régulée et ses réseaux de paiement. L'annonce n'a pas mentionné de support pour les cryptomonnaies ou les stablecoins.

Elon Musk a confirmé en mai 2025 que X Money était entré en phase de bêta-test limitée, indiquant que le déploiement initial serait restreint car "une extrême prudence" était nécessaire lors de la gestion de l'épargne des utilisateurs. Le service a été étendu à une bêta externe limitée en mars 2026 en prévision d'un lancement plus large.

Musk évoque X Money depuis au moins 2022, lorsqu'il a décrit son acquisition de Twitter comme "un accélérateur pour créer X, l'application universelle". Depuis, X a obtenu des licences de transmission de fonds dans plus de 40 États américains et s'est enregistré auprès du Financial Crimes Enforcement Network pour permettre les paiements de pair à pair sur la plateforme.

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Preguntas relacionadas

QQuel rôle Cross River va-t-il jouer dans le service X Money ?

ACross River fournira l'infrastructure bancaire et les rails de paiement pour X Money, permettant les paiements peer-to-peer, les comptes portant intérêt assurés par la FDIC et les cartes de débit Visa.

QQuelle est la vision d'Elon Musk pour X, mentionnée dans l'article ?

ALa vision d'Elon Musk est de transformer X en une 'application tout-en-un' (everything app). L'intégration des services financiers via X Money est une étape clé dans cette ambition.

QQuelles sont les principales fonctionnalités financières que X Money proposera selon l'article ?

ASelon l'article, X Money proposera des paiements peer-to-peer, des comptes rémunérés assurés par la FDIC et des cartes de débit Visa.

QQuelles préparations réglementaires X a-t-il effectuées pour lancer ses services de paiement ?

AX a obtenu des licences de transmetteur de fonds dans plus de 40 États américains et s'est enregistré auprès du Financial Crimes Enforcement Network (FinCEN) pour permettre les paiements peer-to-peer sur la plateforme.

QL'article mentionne-t-il le support des cryptomonnaies ou des stablecoins pour X Money ?

ANon, l'annonce spécifique de Cross River concernant X Money ne mentionne pas de support pour les cryptomonnaies ou les stablecoins.

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