Cross River akan memfasilitasi pembayaran P2P dan layanan perbankan untuk X Money

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

Abstract

Cross River mengumumkan pada hari Senin bahwa mereka akan menyediakan infrastruktur perbankan untuk X Money, platform layanan keuangan yang terintegrasi ke dalam X. Kolaborasi ini akan memungkinkan pembayaran peer-to-peer, akun yang menghasilkan bunga dengan asuransi FDIC, serta kartu debit Visa bagi pengguna. Layanan ini didukung oleh platform perbankan dan jaringan pembayaran yang diatur dari Cross River, yang dirancang untuk mendukung produk dan layanan keuangan tambahan di masa depan, sejalan dengan ambisi X menjadi "aplikasi segalanya". X Money telah memasuki tahap pengujian beta terbatas sejak Mei 2025, dengan Elon Musk menekankan kehati-hatian ekstrem dalam menangani tabungan pengguna. Layanan ini kemudian diperluas ke beta eksternal terbatas pada Maret 2026, menuju peluncuran yang lebih luas. X telah mempersiapkan diri dengan memperoleh lisensi pengiriman uang di lebih dari 40 negara bagian AS dan mendaftar ke jaringan penegakan keuangan untuk memfasilitasi pembayaran di platformnya.

Cross River pada Senin mengatakan akan menyediakan infrastruktur perbankan untuk X Money, platform layanan keuangan yang sedang diintegrasikan ke dalam X, untuk memungkinkan pembayaran peer-to-peer, rekening berbunga dengan asuransi FDIC, dan kartu debit Visa.

Perusahaan menyatakan platform perbankan dan jaringan pembayarannya akan menggerakkan layanan ini seiring dengan upaya X untuk menjadi "aplikasi segala sesuatu", dengan infrastruktur yang dirancang untuk mendukung produk dan layanan keuangan tambahan di masa depan.

Cross River menyediakan infrastruktur keuangan tertanam untuk pembayaran, kartu, pinjaman, dan layanan kripto bagi perusahaan fintech dan teknologi melalui platform perbankan yang teregulasi dan jaringan pembayarannya. Pengumuman tersebut tidak menyebutkan dukungan untuk cryptocurrency atau stablecoin.

Elon Musk mengonfirmasi pada Mei 2025 bahwa X Money telah memasuki tahap pengujian beta terbatas, dengan menyatakan bahwa peluncuran awal akan dibatasi karena diperlukan "kehati-hatian ekstrem" dalam menangani tabungan pengguna. Layanan tersebut diperluas ke beta eksternal terbatas pada Maret 2026 menjelang peluncuran yang lebih luas.

Musk telah lama menggembar-gemborkan X Money sejak setidaknya tahun 2022, ketika ia menggambarkan akuisisi Twitter-nya sebagai "akselerator untuk menciptakan X, aplikasi segala sesuatu". Sejak itu, X telah memperoleh lisensi pengirim uang di lebih dari 40 negara bagian AS dan terdaftar di Jaringan Penegakan Kejahatan Keuangan (Financial Crimes Enforcement Network) untuk memungkinkan pembayaran peer-to-peer di platform.

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Related Questions

QApa peran Cross River dalam pengembangan X Money?

ACross River menyediakan infrastruktur perbankan dan jalur pembayaran untuk mendukung layanan X Money, termasuk pembayaran peer-to-peer, rekening berbunga yang diasuransikan FDIC, dan kartu debit Visa.

QLayanan keuangan apa saja yang akan ditawarkan oleh X Money?

AX Money akan menawarkan pembayaran peer-to-peer (P2P), rekening berbunga yang diasuransikan oleh FDIC, dan kartu debit Visa.

QPada kapan Elon Musk mengumumkan X Money memasuki tahap uji beta terbatas?

AElon Musk mengonfirmasi bahwa X Money memasuki uji beta terbatas pada Mei 2025.

QApa yang dilakukan X untuk mempersiapkan layanan pembayaran peer-to-peer di platformnya?

AX telah memperoleh lisensi pengirim uang di lebih dari 40 negara bagian AS dan terdaftar di Jaringan Penegakan Kejahatan Keuangan (Financial Crimes Enforcement Network/FinCEN) untuk mengaktifkan pembayaran peer-to-peer di platformnya.

QApakah X Money disebutkan akan mendukung layanan cryptocurrency atau stablecoin?

ATidak, dalam pengumuman ini tidak disebutkan dukungan untuk cryptocurrency atau stablecoin.

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