馬斯克的支付應用 X Money 本週正式啟動外部限量測試，首批截圖顯示存款可享 6% 年利率與消費返現，且受 FDIC 保險保障——這意味著 X 不只是社群平台，更直接挑戰傳統銀行與 PayPal 的地盤。
（前情提要：馬斯克：X Money 外部測試版 2 個月內上線，X 將成金融交易集中地）
（背景補充：合規壓力+人才外流，馬斯克的「X 超級應用」夢想要涼了？）
本文目錄
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- 6% 年利率 + FDIC 保險：直接叫板傳統銀行
- 「乘艦隊長」Shatner 以千元天價競標邀請函
- 加密貨幣整合：社群高度期待，官方卻按兵不動
對馬斯克而言，X Money 標誌著他重返支付領域——他在 1990 年代末創辦的 X.com，後來與 Confinity 合併成為 PayPal。如今他要用 X Money 重新證明，社群平台可以成為「所有資金匯聚的地方」。
「這裡將是所有貨幣交易的中心樞紐，」馬斯克今年二月如此形容 X Money，並稱其為「遊戲規則改變者」。而本週，這個願景終於邁出了關鍵的第一步。
6% 年利率 + FDIC 保險：直接叫板傳統銀行
根據首批測試者分享的截圖，X Money 帳戶提供存款 6% 的年化利率（APY），遠高於美國多數傳統銀行儲蓄帳戶的利率水準。存款由 FDIC 成員銀行 Cross River Bank 託管，最高可獲 25 萬美元的聯邦存款保險保障。
此外，用戶可獲得一張印有用戶名稱的 Visa 金屬簽帳卡，由 X 的合作夥伴 Visa 提供，日常消費還享有返現優惠。這套組合拳——高利率、聯邦保險、實體金屬卡——讓 X Money 的起手式就對準了 PayPal、Venmo 甚至傳統銀行的核心業務。
𝕏 Money https://t.co/JQ51VrmQeI
— Elon Musk (@elonmusk) March 4, 2026
過去幾年間，X 已在美國超過 40 個州取得貨幣傳輸牌照，並向金融犯罪執法網路（FinCEN）完成註冊，為平台上的點對點支付鋪路。X Money 也是馬斯克將 X 打造為「萬能應用」的核心拼圖之一，涵蓋支付、AI 聊天機器人 Grok、創作者內容與身份驗證等功能。
「乘艦隊長」Shatner 以千元天價競標邀請函
首批受邀的外部測試者之一，正是好萊塢資深演員 William Shatner——《星乘迷航記》中經典的 Captain Kirk。馬斯克最初向 Shatner 發送了 42 美元的測試金，隨後 Shatner 在 X 的同意下，將 42 張測試邀請函以每張 1,000 美元的價格公開競標為慈善募款，所有得標者還可獲得 X 提供的 25 美元歡迎禮金卡。
首輪迅速售罄後，Shatner 與 X 又開放了第二輪競標，再釋出 166 張邀請函，同樣定價 1,000 美元。申請資格要求為年滿 18 歲的美國居民，且需持有信譽良好的活躍 X 帳戶。
It came as a pop up message on my phone. And I was thinking: what the heck is he doing now? 😆 https://t.co/P31z9RXAGR pic.twitter.com/bY92YnjOkw
— William Shatner (@WilliamShatner) March 4, 2026
加密貨幣整合：社群高度期待，官方卻按兵不動
儘管馬斯克長期以來對狗狗幣（DOGE）的公開力挺，讓加密社群不斷猜測 DOGE 或將被納入 X 的支付生態，但截至目前，X Money 中並無任何加密貨幣整合的跡象。
這對持續關注「馬斯克效應」的 DOGE 持有者來說，無疑是一盆冷水。然而從監管策略來看，X 選擇先以法幣支付站穩腳跟、取得合規信任，再逐步探索加密資產，或許是更務實的路線。畢竟，X 目前仍在補齊各州牌照拼圖，貿然引入加密貨幣可能帶來額外的監管審查壓力。
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