X Money rolls out to more verified users and its 6% savings rate is just the opening move

X Money expanded to a broader pool of verified US users on June 25, 2026, offering 6% APY on FDIC-insured deposits, 3% cashback, and a personalized metal Visa debit card. Built on Cross River Bank's infrastructure, the launch positions X as the most credible American super-app attempt yet, while the verified-user gating addresses a peer-to-peer payments market badly damaged by fraud.