WorldUsers will receive a "X”-branded Visa debit card that is useable at any ATM, and be able to send money to other X users in real-time. X Money is using technology and banking services provided by Cross River Bank, and branding that backbone as X Money. Currently X Money is invite only, and users will receive a "X”-branded Visa debit card that is useable at any ATM. Users of X will be able to send money to other X users in real-time, the company said. In order to attract customers, X Money is offering a 6% yield on deposits and 3% cashback on eligible purchases.