X Payments
In-app peer-to-peer and merchant payments
X Payments lets users send money peer-to-peer and pay merchants without leaving the app, backed by state money-transmitter licenses across the US and expanding internationally. It's built to move money as instantly as a post gets published — no third-party app, no waiting for a bank transfer to clear.
Instant transfers
Money moves between accounts immediately, without the multi-day settlement delay typical of bank-to-bank transfers.
Licensed, not experimental
X Payments operates under state money-transmitter licenses across 40+ US states, with international rollout following the same regulatory path.
No separate app needed
Payments happen inside the same app used for posting and messaging — no switching to a dedicated banking or payments app.
From tip to transaction
What started as a way to tip creators has expanded into full peer-to-peer transfers and merchant checkout, all inside the same conversation thread where the payment was requested.
Transfers
Licensing
Merchant support
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