Nearly three years after Elon Musk bought Twitter and renamed it X, the platform is shipping products that look like actual steps toward the “everything app” he wouldn’t stop talking about. The latest move: a sweeping communications upgrade called XChat, paired with signals that X Money, the platform’s integrated financial service, is getting closer to a broader public rollout.
XChat: encrypted messages, calls, and file transfers
The XChat upgrade, which rolled out around November 13, 2025, represents X’s most significant messaging enhancement since the platform’s inception as Twitter. It bundles encrypted direct messages, encrypted audio and video calls, and file transfer capabilities into a single communications layer.
X had previously offered a limited version of encrypted DMs, but the implementation was widely criticized for its restrictions and lack of polish. This upgrade appears to be a more comprehensive attempt at making private communications a core selling point of the platform rather than an afterthought bolted onto a public posting feed.
X Money: fiat first, crypto maybe later
