- XRP, XLM, and X Money could disrupt legacy payment systems.
- Pundit claims Musk’s X Money platform may integrate XRP for financial transformation.
- Analysts speculate on XRP’s role in X Money’s upcoming digital wallet.
A potential integration of XRP into Elon Musk’s X Money platform has sparked significant speculation within the crypto community. Although not confirmed, many analysts are intrigued by the possibility, considering Musk’s ambitions to transform global payment systems. According to Stern Drew, the combination of XRP, XLM, and X Money could bring an end to traditional payment rails, potentially reshaping the financial landscape.
Earlier this month, X Money posted a job listing for a senior engineer to help build a payments platform “from the ground up,” designed to serve over 600 million users. While the job posting did not explicitly mention cryptocurrencies, this development has led to speculation that XRP, as a major player in digital finance, could be integrated into the new infrastructure.
This job listing suggests that Musk’s plans to introduce a digital wallet could be advancing, and the integration of blockchain technologies could play a significant role. According to Drew, the notion of XRP’s role in X Money is not without basis.
He highlighted how recent events such as Solana’s announcement of wrapped XRP and Stripe’s quiet backing of Stellar suggest that XRP could be part of a broader shift in the financial system. Drew emphasized that XRP could provide the institutional liquidity and final settlement capabilities necessary for X Money, while Stellar’s XLM token would address consumer access and financial inclusion.
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XRP and Stellar in X Money’s Ecosystem
Speculation is growing that XRP and Stellar will serve complementary roles within the X Money platform. XRP would likely handle high-volume institutional transactions, ensuring liquidity and security for large financial flows. On the other hand, Stellar’s XLM token would cater to consumers, offering easy on/off ramps and helping to bridge the gap between traditional banking and the emerging decentralized finance ecosystem.
Drew highlighted that certain recent happenings within the industry are not mere coincidences; rather, they could be part of a larger underground play, positioning Ripple at the center of modern payments. He referenced OCC Comptroller Jonathan Gould’s statement saying “crypto firms should be treated like banks,” just a day before Ripple received an OCC bank charter approval.
Also, X Money saying “launching in 2025” while Tesla posts “Slowly, then all at once”, a phrase that Ripple CEO, Brad Garlinghouse, himself uses to describe real-world adoption. Drew noted that the combination of XRP’s institutional strengths and Stellar’s consumer-facing features could provide a comprehensive solution for digital payments on the X Money platform.
Is Crypto Part of X Money’s Future?
Although X Money’s job listing does not mention stablecoins or other cryptocurrencies explicitly, analysts believe crypto will play a key role in the platform’s future. Some, including Anthony Scaramucci, have speculated that Musk could integrate digital assets into the platform, whether through a stablecoin or existing cryptocurrencies like XRP.
Though still speculative, analysts see the integration of XRP as a likely possibility. With Musk’s previous interest in digital assets and the support of major financial players, XRP’s inclusion in X Money could mark a significant step toward disrupting legacy payment systems. As these developments unfold, the crypto community continues to watch closely, with XRP and Stellar potentially at the center of this evolution.
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