A prominent crypto commentator is betting that X’s upcoming integrated payments system could be a “massive step forward” for digital assets like XRP, arguing that frictionless in-app buying may bring orders of magnitude more users onto the XRP Ledger.
In a recent video walk-through of leaked beta screenshots, Levi Rietveld frames X’s payments push as both a UX upgrade and a direct on-ramp from social media into crypto markets.
X “Money” Wallet: Deposits, P2P & On-Platform Yield
According to Levi, employees at X are already testing an internal product dubbed “X money” or “X payments,” with an interface that resembles a multi-account wallet. The screenshots described in the video show tabs for account selection, rewards, activity history, and three core actions: deposit, send, and request.
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The wallet is expected to support both crypto and fiat.
The show host says it will likely handle multiple blockchains and mainstream currencies including the euro, U.S. dollar, and probably the Canadian dollar, in jurisdictions where X is available. Users would reportedly be able to tip creators directly, move funds peer-to-peer, and even earn APY on crypto balances through integrated yield products on the platform.
Levi also notes that X is exploring broader “smart cash” features, with crypto sitting alongside stocks, stablecoins with yield, and potentially gold or silver-linked products. Crypto balances, he says, are intended to function as a funding source within the wallet, including for bill payments and even paycheck deposits routed directly into X.
Why the Host Sees This as a Breakout Moment for XRP
The core thesis is simple: reduce friction, increase participation. The commentator claims that “basically one 100th of one percent of the world currently actually holds XRP,” and argues that a native XRP buy button inside X could “get a hundred x more people trading and using the XRPL.”
In Levi’s example, X posts mentioning XRP would display a live ticker; tapping it would allow users to buy XRP “in all of five seconds” with funds already loaded into their X wallet. If the wallet is empty, he says, topping up from a linked bank account would take only seconds more, after which users could withdraw to cold storage or external exchanges.
Also, Levi contrasts this with today’s multi-step process—salary to bank, bank to exchange, then into crypto—which he calls “slow” and “outdated.” Combining payroll, bill pay, and crypto in a single X wallet, in his view, is “really really cool stuff” that strengthens “crypto culture,” especially for highly discussed assets such as XRP.
Macro Backdrop: Trump Soundbite & Flows Recovery
The video briefly flags a political tailwind: a recent remark from Donald Trump that “we want to be dominant in everything we do in crypto,” which the host interprets as a positive signal for U.S. digital-asset policy.
At the same time, he acknowledges immediate headwinds, citing rising gas and oil prices, geopolitical tensions involving the U.S., Israel, Iran, China, and Russia, and ongoing trade frictions, including between Spain and the U.S.
On the data side, he notes that crypto investment products are seeing improving sentiment after “five straight months of negative weekly crypto asset flows,” with a recent pick-up reminiscent of an earlier inflow spike about six weeks prior. He allows for a short-term rally followed by potential downside pressure driven by macro shocks.
Despite those risks, the host is positioning for a longer horizon, targeting the “later stages of 2026” as a major opportunity and calling Q2–Q3 of this year “probably the best possible time to accumulate XRP.”
Levi says he is holding “insane amounts of cash” and is “getting ready to load up the truck” on further dips, framing any correction as an “incredible opportunity” rather than a threat.
The significance is less about X picking specific coins and more about infra: if a social platform with hundreds of millions of users normalizes one-tap crypto purchases and wallets that bridge paychecks, bills, and trading, the addressable market for assets like XRP could expand sharply—assuming the product rolls out as described and regulators allow it to scale.
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He specifically mentions XRP, stablecoins with yield, major fiat currencies (USD, EUR, likely CAD), and hints at stocks and possibly gold or silver-linked products via “smart cash” features.
By embedding a buy flow directly into posts and tickers, he believes casual users will be able to acquire XRP in seconds, dramatically lowering the barrier to entry and potentially multiplying the user base.
Levi Rietveld highlights Q2 and Q3 of this year as prime accumulation windows, with a focus on a longer-term target around the “later stages of 2026.”
Rising energy prices, geopolitical conflicts, and trade tensions, which he thinks could trigger short-term downside even as structural crypto inflows begin to recover.
