Imagine you’re an X user who’s actually excited to make the app your primary payments app after X Money finally launched Monday, after years of delays, for US Premium and Premium+ subscribers. But once you’ve put your money in the app, you realize that X Money has a lot of limitations. Most glaringly, you can currently only send peer-to-peer payments to other X users who have access to X Money and are 18 and older. Neither New York nor Massachusetts will accept X Money payments, and experts previously told Ars that New York’s exclusion alone would seem to be a barrier to X becoming a significant disruptor in the payments market. Daniela Hawkins, a global payments expert for tech consultancy Capco, told Ars in 2024 that any inconsistency in how payments function could stall widespread adoption of X Money.