内容来源：https://www.engadget.com/2224633/x-money-begins-limited-us-rollout/

内容总结：

X Money在美国启动限量测试 埃隆·马斯克的“全能应用”再落一子

2026年7月27日，埃隆·马斯克旗下的社交平台X（原推特）正式推出其金融支付服务X Money，率先面向美国境内的Premium及Premium+订阅用户开放。该服务目前处于邀请制测试阶段，仅限年满18周岁的用户参与。

X Money为用户提供存款账户、点对点转账以及借记卡服务，并已整合Visa支付网络和苹果钱包。其借记卡支持数字卡及个性化金属卡定制，卡面可印刻用户的X账户名。账户权益包括高达6.00%的年化收益率（APY）、3%的消费返现、免境外交易手续费及提前存款到账功能。不过，具体利率因订阅等级和存款频次而异，且部分消费类别不参与返现。

值得注意的是，X Payments LLC本身并非美国联邦存款保险公司（FDIC）承保机构，但其用户存款由FDIC成员银行Cross River Bank托管，因此资金安全受保险保障。

此举标志着X平台向“万能应用”目标迈出关键一步。尽管有分析认为，将资金托付给由马斯克掌舵、并以AI聊天机器人Grok为核心的平台仍存信任挑战，但X已明确表示，这仅是该公司构建全方位生态系统的举措之一。

中文翻译：

X Money 启动美国限量版推广
目前仅有 Premium 和 Premium X 订阅用户能享受与马斯克合作的银行服务。
曾名为推特（Twitter）的社交网络最新动向是推出名为 X Money 的金融服务平台。经过邀请制测试阶段后，该服务现面向美国境内年满18周岁的 Premium 及 Premium+ 订阅用户开放。

你的资金，尽在最强社交网络
𝕏 Money 即日起面向美国 Premium 及 Premium+ 用户推出 pic.twitter.com/2c1UMkB4Kn
——X Money (@XMoney) 2026年7月27日

X Money 为用户提供应用内存款账户、个人对个人支付功能及借记卡服务。该项目已整合 Visa 与 Apple Wallet，借记卡支持数字版及实体金属卡两种形式，用户可定制刻有个人 X 账号的卡面。其他权益包括最高6.00%年化收益率、3%消费返现、"免除境外交易手续费"及提前到账工资服务。实际利率取决于用户的 X 订阅等级或定期存款金额，与同类方案类似，部分消费类别不参与返现。虽然 X Payments LLC 并非联邦存款保险公司（FDIC）承保银行，但用户存款存放于 FDIC 成员银行 Cross River Bank，资金安全受保险保障。

我们早已知悉 X 正在开发支付应用——这只是该公司打造"万能应用"的众多计划之一。不确定谁会愿意把钱托付给由这位老板运营、以这个AI聊天机器人为核心的平台，但若您执意如此，该选择现已开放。

英文来源：

X Money begins limited US rollout
Only Premium and Premium X subscribers get the privilege of banking with Elon for now.
The latest development out of the social media network formerly known as Twitter is a financial services platform dubbed X Money. The service is currently available for the social media network's Premium and Premium+ subscribers in the US over the age of 18 following an invite-only beta phase.
Your money, on the world's most powerful network
𝕏 Money is rolling out to U.S. Premium and Premium+ subscribers starting today pic.twitter.com/2c1UMkB4Kn
— X Money (@XMoney) July 27, 2026
X Money offers customers a deposit account, peer-to-peer payments and a debit card within the app. The venture has integrations with both Visa and Apple Wallet. The debit card is available digitally and as a physical, metal version that can be personalized with the individual's X handle. Other perks include up to 6.00% APY, 3% cashback bonuses, "no foreign transaction fees" and early direct deposit. The interest rate you receive depends on factors like your X subscription tier or regular deposits, and, as with many similar schemes, there is a list of services excluded from cashback. Although X Payments LLC is not an FDIC-insured bank, deposits are held at Cross River Bank, which is a Member of FDIC and so balances are insured.
We knew that a payments app was in the works from X, just one of many initiatives the company is working on in pursuit of becoming an "everything app." Not sure who would entrust their money to a platform run by this guy and centered on this AI chatbot, but if you so desperately want to, the option exists.