X Replaces Stripe with Its Own X Money Service for U.S. Creator Payments

Twitter’s parent company, X Corp., announced on Monday that it will transition U.S.-based content creators from the Stripe‑driven payout system to its in‑house X Money platform, marking the latest step in the firm’s effort to consolidate financial operations under its own brand.

The shift means that earnings generated by creators through tips, paid subscriptions, and other monetization tools on the X network will now be routed through X Money, a payment service the company has been quietly developing over the past year. While the exact timeline for the migration was not disclosed, X indicated that the change will take effect in the coming weeks, and creators will receive notifications through the platform’s dashboard.

Stripe, a widely used third‑party processor, has powered payouts for a variety of social media and marketplace platforms, offering a familiar and reliable infrastructure for handling transactions. X’s decision to replace Stripe aligns with a broader strategy to reduce reliance on external vendors and capture more of the financial flow generated by its ecosystem. Industry analysts note that owning the payment stack can improve data insights, lower transaction fees, and provide greater flexibility for future product offerings.

For creators, the move could bring both opportunities and uncertainties. X Money is expected to support standard payout methods such as direct deposit to bank accounts, but the company has not released detailed fee structures or any potential changes to payout schedules. Some creators have expressed concern about the transition, citing the need for clear guidance on how their existing balances will be transferred and whether any new compliance requirements will apply.

Experts suggest that the rollout may serve as a testing ground for broader financial services that X could eventually offer, such as lending, credit facilities, or even a full‑scale digital wallet. If successful, the integration could position X alongside other tech giants that have built proprietary payment solutions, reinforcing its ambition to become a more comprehensive platform for creators and consumers alike. The next steps will likely involve monitoring creator feedback, fine‑tuning the X Money user experience, and possibly extending the service beyond the United States to other markets where X operates.