The crypto community is ab buzzing following a video posted by JackTheRippler on January 17, 2026, in which Musk discusses transforming X into a colossal financial capital. The video has individuals questioning whether XRP, Elon Musk, and X might join forces and make payments. Musk explained how he envisioned X to be among the largest financial systems in the world and how it would be like a superfast money database with virtually no fraud. At this point, Elon Musk, X payments, and XRP are all the buzz, yet there is no verifiable information that XRP is being integrated on X or RLUSD on X at all.
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XRP, Elon Musk, and X Rumors And X Payments Integration Signals
What Musk Actually Said About Crypto
Back in October 2024, someone at a Town Hall meeting in Pittsburgh asked Musk directly about XRP and whether the XRP Ledger might become part of financial institutions.
Musk stated:
“I do think that cryptocurrency is an interesting and probably valuable bulwark against centralized control.”
He was careful to add:
“This is definitely not an endorsement or lack of endorsement for XRP, but I do think crypto by its very nature helps with individual freedom.”
That’s pretty much the only time Musk has mentioned XRP publicly, and he didn’t exactly sound like he was planning anything specific. His comments stayed vague on purpose.
Why People Think XRP Makes Sense For X
Musk continues referring to X as an everything app that will do messaging, shopping, and money stuff in a single app. At the time of writing, XRP already makes fast cross-border transactions with banks and large institutions. In December 2024, Ripple released its dollar-backed business stablecoin RLUSD. They are both real time and low fees, which is what Musk claims he desires.
These rumors about Elon Musk and XRP were louder due to technical reasons as well. Cross River bank does the banking of X Money, and they have been utilizing the Ripple technology in international transfers since 2014. There is an existing relationship there, although does not imply that XRP, Elon Musk, and X are certainly collaborating. Elon Musk and XRP news go viral on social media, and most of them consist of people linking dots instead of announcements.
The Reality Check
The point is that no one has verified anything related to Elon Musk, X payments, and XRP in fact taking place. Not Ripple, not the bosses of X, not Musk. XRP, Elon Musk, and X hype is about what appears reasonable, not what has been proclaimed. Musk mentioned his grand strategies of X dealing with money however, he did not specify which cryptocurrencies he would make use of.
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X CEO Linda Yaccarino stated that X Money is going to launch with Visa and peer-to-peer transfers, however, there is no mention of crypto. These are rumors until somebody in charge utters words on XRP on X or RLUSD on X. When writing, no paperwork, no partnership dealings, nothing tangible yet uniting these projects.
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