X shifts US creator payouts from Stripe to X Money, building its own payments rails

X is no longer writing checks through someone else’s checkbook. The platform formerly known as Twitter confirmed on August 14 that creator payouts in the US will now flow through X Money, its in-house payments service, replacing the Stripe-powered system that previously handled disbursements. The shift means creators can receive funds instantly in their X Money accounts rather than waiting through the multi-day clearing process that came with the old Stripe pipeline. How the new payout system works X Money launched publicly for US Premium and Premium+ subscribers in late July 2026, roughly two weeks before the creator payout migration went live. The service already offered a Visa debit card, peer-to-peer transfers via Visa Direct, and deposit services through banking partner Cross River Bank. Creator payouts are now layered on top of that infrastructure. Payouts under X’s Original Content Rewards program still arrive biweekly, and the minimum threshold remains $30. What has changed is speed: funds land in X Money accounts with no waiting period, compared to the days-long settlement windows that Stripe’s rails required. Creators need to reside in states where X Payments LLC holds th...