Elon Musk finally launches X Money. What could possibly go wrong?

AI 中文解读

马斯克的X平台终于推出了备受期待的支付功能X Money，但别急着欢呼——这个号称能给你6%年化收益的“数字钱包”，目前只对美国部分付费用户开放，而且只能跟同样开通该功能的X用户互相转账，完全没法像支付宝或微信那样在超市、餐厅直接扫码付款。简单说，X Money目前就是一个高息的“熟人转账工具”。你把工资存进去，可以享受比多数银行还高的6%年化收益，听起来很诱人，但实际使用场景极其狭窄：转账对象必须是18岁以上、已经开通X Money的X用户，换句话说，你妈妈没开通就用不了，楼下便利店更不可能收。而且资金一旦存进去，想提现或用于其他消费，目前几乎没有明确路径。对普通人来说，这更像一个“风险大于收益”的尝鲜品。虽然6%的利率确实有竞争力，但为了这点利息把全部身家锁在一个几乎不能流通的封闭系统里，显然不明智。再加上X支付此前多次跳票，用户隐私和安全记录也存疑，所以现阶段建议只看热闹不动钱——等它真正破解了“只能内部流转”的硬伤，再考虑要不要把口袋里的钞票交给马斯克。

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. You transfer funds and set things up so that your paychecks automatically deposit to X, where you expect to receive cashback rewards and a high annual yield of 6 percent on your funds—a rate that’s genuinely competitive with some banks. 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.Read full article Comments