The X Money Link Takes Shape

Cross River Bank is connected to Stripe, and Digital Asset Investor pointed out that Stripe is X Money’s backend. Cross River Bank confirmed it will support transactions on the XRP ledger, integrating RLUSD into its core banking platform for cross-border settlement.

He has maintained for years that X Money would involve XRP on the back end. The Cross River Bank announcement, he argues, is the path XRP takes to connect with X Money. Institutional analysts have echoed the sentiment, noting the announcement was anticipated months in advance through careful tracking of institutional publications.

XRP X Money Connection & The Lack Of Supply Will Make People Sick pic.twitter.com/9a59BGozyc

— Digital Asset Investor (@digitalassetbuy) October 16, 2026

The Numbers Behind the Supply Crunch

While the X Money angle generates attention, Digital Asset Investor considers the XRP supply situation equally significant. The total XRP supply sits at 100 billion tokens. Burns from ledger transactions reduce that number constantly. Institutional accumulation is accelerating the compression further.

He referenced the Modern Investor (@ModernInvest), who laid out the numbers. Companies have purchased 1 billion XRP in single transactions. In one 24-hour period alone, 1.6 billion XRP was pulled off exchanges. At that rate, more than 1% of total supply exits exchanges per day. At that pace, the entire circulating supply evaporates in under 100 days.

Who’s Holding and Who’s Left Out

Digital Asset Investor connects every piece of institutional activity to this supply squeeze. Evernorth, ETFs, and the growing collateral use case all serve the same function. With Ripple holding a portion it has committed not to sell, and early institutional buyers sitting on large positions accumulated over 14 years, the available float shrinks further. He estimates only 30 to 40 billion XRP remain realistically accessible.

The Institutional Case and Price Outlook

Ripple CLO Stuart Alderoty called Evernorth’s regulatory achievement “a badge of validation” for institutional adoption. Analyst Matt Hougan projected hundreds of trillions of dollars in global assets will move on-chain, citing equity, bond, and real estate markets alone.

Digital Asset Investor places XRP at the top of the roughly 25 core infrastructure assets the DTCC expects to emerge. On price, he called $5 to $8 “ridiculously achievable in weeks, months.” XRP currently trades at $1.34.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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The interface shows a Money tab inside the X app, complete with Home, Rewards, and Activity sections. A test account displays a $25 balance and features Deposit, Send, and Request buttons.

X-Money.

Early access is now rolling out. pic.twitter.com/s06WyspNeh

— SMQKE (@SMQKEDQG) June 29, 2026

Inside the Rollout

The app pushes users toward a Direct Deposit feature that promises APY on paychecks sent into an X account. A separate “My account” panel lists a 6.00% APY rate tied to the $25 balance shown. X also previews its physical X Card.

When a follower asked what powers X Money beyond banking partner Cross River, SMQKE explained that it is fiat for now, but the plan is to integrate digital assets later. Prominent figures in the crypto space have called on Musk to integrate XRP into the X Payments ecosystem since he announced the idea, but XRP’s involvement has not been confirmed.

XRP Army Responds

Many community members were eager to get in on the early access program. One commenter asked who gets access first in this rollout, and another asked how to claim a spot. Some community members also see huge potential in this product. One user asked whether X Money could fully replace his bank card if he switched his primary banking over to it.

The past few years have seen notable crypto-enabled cards like Gemini’s XRP Credit Card join the market, and a product backed by Musk could make notable waves in the industry.

One market participant questioned the 6% APY on the app, surprised X would offer that just for holding money on the platform. SMQKE called it “pretty cool,” and Dez agreed, then raised a bigger point. He noted that banks blocked crypto firms from offering similar yields through stablecoins.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

This was one of the biggest factors that stalled the CLARITY Act, but Musk faces no resistance offering it through X. He wanted to know what actually separates the two models.

Where This Leaves X Money

The replies show a user base split between excitement and skepticism. Some want in immediately and see the APY as a clear incentive to move funds onto the platform. Others question why a social media company can offer banking-style yield without facing the same regulatory friction crypto firms encounter.

The question for many investors is whether X Money can serve as a primary financial account or become a secondary wallet for smaller balances. Many others are eager to see what role XRP will play on Musk’s X Payments platform.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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