Raksasa Industri Crypto dan Keuangan Ungkap Makna Peluncuran X Money

bitcoinist2026-04-18 tarihinde yayınlandı2026-04-18 tarihinde güncellendi

Özet

Pemimpin industri crypto dan keuangan, termasuk Senator Elizabeth Warren, menyuarakan kekhawatiran tentang peluncuran "X Money" oleh Elon Musk. Warren memperingatkan bahwa platform pembayaran ini dapat mengancam stabilitas keuangan, keamanan nasional, dan konsumen. Ia menyinggung potensi kemitraan dengan Cross River Bank yang memiliki catatan masalah regulasi, serta imbal hasil deposito hingga 6% APY yang dianggap berisiko. Kekhawatiran lain mencakup kegagalan X menangani akun terverifikasi untuk individu yang disanksi, pelanggaran privasi data, dan penipuan. Di sisi lain, analis crypto Tat Thang menilai X Money mengancam fintech tradisional seperti Robinhood, karena platform media sosial ini memiliki 550 juta pengguna bulanan dan fitur keuangan terintegrasi seperti Smart Cashtags dan Brokerage routing. Musk berencana meluncurkan X Money secara publik pada April. Senator Warren meminta tanggapan tertulis dari Musk sebelum 21 April mengenai rencana dan risiko produk ini.

Pemimpin industri crypto dan keuangan telah menyuarakan kekhawatiran atas rencana X Money yang diusulkan Elon Musk. Ini termasuk Senator Elizabeth Warren, anggota Komite Perbankan Senat, yang memperingatkan bahwa langkah ini akan mengancam stabilitas keuangan.

Senator Elizabeth Warren Mempertanyakan X Money Elon Musk

Senator Warren menulis sebuah surat kepada Elon Musk di mana dia menyampaikan kekhawatiran tentang rencana peluncuran platform pembayaran pada bulan April, X Money. Dia menyatakan bahwa perkembangan seputar peluncuran platform pembayaran tersebut menimbulkan kekhawatiran signifikan terkait konsumen, stabilitas keuangan, dan keamanan nasional.

Sebagai bagian dari kekhawatiran ini, senator mencatat bahwa X Money mungkin bermitra dengan Cross River Bank, yang dikenai tindakan penegakan hukum serius oleh FDIC pada tahun 2023 karena praktik yang tidak aman dan tidak sehat. Dia juga menyoroti materi pratinjau X Money, yang menunjukkan bahwa pengguna dapat memperoleh hingga 6% APY pada akun deposito. Warren mengatakan tidak jelas investasi berisiko apa yang mereka rencanakan untuk mendapatkan hasil ini ketika tingkat dana Federal berada di 3,75%.

Senator Warren juga menyampaikan kekhawatiran atas catatan X yang mengizinkan individu yang terkena sanksi seperti Hezbollah dan Houthi untuk membeli akun terverifikasi dan menggalang dana melalui platform. Dia menambahkan bahwa juga telah terjadi kegagalan sistematis dalam menangani materi penyalahgunaan anak, pelanggaran privasi data, dan penipuan yang meluas oleh pengguna terverifikasi.

Sementara itu, senator memperingatkan tentang peran potensial Musk dalam membentuk lingkungan regulasi untuk produk keuangannya sendiri, karena X Money mungkin mencakup penerbitan stablecoin. Dia mengisyaratkan UU GENIUS, yang menurut Warren mencakup "pengecualian yang mencurigakan" yang memungkinkan perusahaan seperti X untuk menerbitkan stablecoin tanpa beberapa persetujuan dan pengamanan yang diperlukan yang berlaku untuk perusahaan seperti X.

Senator Warren meminta tanggapan tertulis yang merinci rencana Musk untuk peluncuran X Money dan risiko yang mungkin ditimbulkan produk tersebut kepada konsumen, stabilitas keuangan, dan keamanan nasional. X memiliki tenggat waktu hingga 21 April untuk menyerahkan tanggapan tertulis ini.

Ancaman Bagi Pesaing Lain

Ahli crypto Tat Thang mencatat dalam postingan X bahwa X Money dan penawaran keuangan lainnya dari platform media sosial tersebut merupakan ancaman besar bagi fintech. Ahli crypto tersebut menyoroti tumpukan keuangan X, termasuk Smart Cashtags, yang diluncurkan awal minggu ini. Dengan fitur ini, pengguna dapat mencari ticker aset apa pun dan melihat data real-time tentang aset tanpa meninggalkan aplikasi X.

Thang juga mencatat bahwa X telah meluncurkan perutean Brokerage melalui Wealthsimple, yang sudah aktif. Pada saat yang sama, X Money sedang dalam versi beta, dengan Musk mengungkapkan bahwa platform pembayaran dapat diluncurkan secara publik paling cepat bulan ini. Ahli tersebut menyatakan bahwa fintech seperti Robinhood tidak dapat bersaing dengan X karena platform media sosial tersebut memiliki 550 juta pengguna bulanan. Dia menambahkan bahwa X tidak membutuhkan produk terbaik, tetapi cukup produk yang cukup baik dalam aplikasi yang sudah digunakan orang.

Kapitalisasi pasar crypto keseluruhan di $2,52 triliun | Sumber: TOTAL on Tradingview.com

İlgili Sorular

QApa yang menjadi perhatian utama Senator Elizabeth Warren mengenai peluncuran X Money oleh Elon Musk?

ASenator Elizabeth Warren menyatakan keprihatinan bahwa X Money dapat mengancam stabilitas keuangan, keamanan nasional, dan konsumen. Dia juga mempertanyakan kemitraan dengan Cross River Bank yang memiliki riwayat masalah regulasi, serta potensi risiko dari imbal hasil tinggi yang ditawarkan.

QApa saja isu yang disebutkan Senator Warren terkait catatan platform X sebelum peluncuran X Money?

AWarren menyoroti kegagalan X dalam menangani akun terverifikasi untuk individu yang disanksi seperti Hezbollah, materi pelecehan seksual anak, pelanggaran privasi data, dan penipuan yang meluas oleh pengguna terverifikasi.

QApa yang dimaksud dengan 'suspicious carveout' dalam GENIUS Act yang disebut Senator Warren?

A'Suspicious carveout' merujuk pada pengecualian mencurigakan dalam GENI-undang GENIUS Act yang memungkinkan perusahaan seperti X menerbitkan stablecoin tanpa persetujuan dan pengawasan penuh yang biasanya diterapkan pada perusahaan serupa.

QMengapa menurut Tat Thang, X Money menjadi ancaman besar bagi fintech seperti Robinhood?

AKarena X memiliki 550 juta pengguna bulanan, sehingga tidak memerlukan produk terbaik tetapi cukup menawarkan produk yang 'cukup baik' dalam aplikasi yang sudah digunakan masyarakat, membuat fintech tradisional kesulitan bersaing.

QFitur finansial apa saja yang telah diluncurkan X sebagai bagian dari persiapan X Money?

AX telah meluncurkan Smart Cashtags untuk melihat data aset secara real-time dan Brokerage routing melalui Wealthsimple. Sementara X Money sendiri sedang dalam tahap beta dan rencananya diluncurkan publik pada bulan ini.

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