X moves U.S. creator payouts to instant X Money payments

For a U.S. creator on X, the wait now ends when the platform sends the money. On September 2, X said all U.S. payouts from its Original Content Rewards Program and creator Subscriptions would move to X Money, its payments app.

The change is designed to remove the old bottleneck. Stripe-powered payouts were previously processed every two weeks, with a $30 minimum before creators could access their money, according to X’s documentation. X says the new route offers instant payments, without waiting for the end of a billing cycle or reaching a minimum threshold.

But the faster route may come with less choice. The announcement’s wording appears to indicate that X Money is now the only way for U.S. creators to receive these payouts, replacing Stripe even for people who preferred the previous method. X has been asked to clarify whether another payout option remains available.

X Money is also becoming part of the platform’s wider financial offering. It includes a bank card with 3% cashback, instant payments, free ATM withdrawals and other digital banking services. X says it is not a bank itself: user accounts are held at FDIC-insured Cross River Bank. Creator payouts will also count toward direct-deposit requirements for a higher annual percentage yield (APY); X’s website currently lists 6% for X Premium users versus 4% standard.

The shift comes as X changes its creator incentives. On September 7, the company will retire its Creator Revenue Sharing Program, which stopped accepting new members last month, and move creators toward Original Content Rewards, which puts more emphasis on original content.

Concretely, U.S. creators should get access to their X earnings sooner and without the former two-week schedule or $30 threshold, according to X. The trade-off is an apparent requirement to use X Money, plus new tax administration: X says it will issue a 1099-NEC tax form to individuals and collect W-9 information from limited liability companies so those forms are accurate.