X Money will be the only payout option for U.S. creators

title: "X Mandates X Money for U.S. Creator Payouts"
description: "X requires U.S. creators in its monetization programs to receive payments exclusively via X Money, offering instant payouts but raising security concerns."
keywords: "X, X Money, creator payouts, social media payments, like.tg"

## X Makes X Money Mandatory for U.S. Creator Payments

X has implemented a policy requiring all U.S.-based creators participating in its Original Content Rewards and Subscriptions programs to receive payments exclusively through its X Money platform. The change, announced via the [X Creators account](https://x.com/XCreators/status/2094959821782983076), took effect immediately with no alternative payment options available for American creators.

## Instant Payouts as Key Benefit

According to X, the primary advantage of this shift is faster access to earnings. Creators can now receive payments instantly when issued, eliminating previous delays caused by minimum payout thresholds. However, participants must meet two requirements:

1. Verified phone number linked to an [X Money account](https://money.x.com/en/i/faq)
2. Active X Premium subscription

These conditions align with existing monetization program rules, meaning no additional hurdles for eligible creators.

## Regional Differences in Payment Processing

While U.S. creators face mandatory X Money adoption, international participants in the Original Content Rewards program continue receiving payments through Stripe. This regional approach reflects X Money's current limitation to the U.S. market following its November 2025 beta launch.

## Banking Partnership Enables Expansion

X established a critical [partnership with Cross River Bank](https://www.businesswire.com/news/home/20260727614076/en/Cross-River-Powers-X-Money-The-First-P2P-Payments-Experience-Built-Into-a-U.S.-Social-Media-Platform) to address regulatory concerns, allowing the expanded rollout of X Money services. The collaboration provides:

- Visa debit card functionality
- ATM withdrawal capabilities
- Regulatory compliance through Cross River's established systems

This arrangement helped overcome previous obstacles, including rejected money transmitter applications in some states reportedly due to X's Middle Eastern stakeholder connections.

## Security Concerns Emerge

The payment system expansion coincides with increased security risks. [TechCrunch reported](https://techcrunch.com/2026/09/01/x-says-attackers-are-targeting-accounts-after-the-launch-of-x-money/) heightened hacking attempts targeting X accounts to access X Money details. X acknowledges these challenges as it works toward its vision of becoming an "everything app" with integrated payments.

like.tg will continue monitoring developments in social media payment systems and their impact on creator economies.