X moves U.S. creator payouts off Stripe and onto X Money

On Sept. 2, 2026, X announced that all U.S.-based creator payouts tied to its Original Content Rewards Program and creator subscriptions will be routed through X Money, the company's in-app payments service. The change replaces the prior Stripe-powered payout flow for creators in the United States.

Payments that were previously processed on a two-week schedule with a $30 minimum payout threshold will now be delivered instantly through X Money. X's announcement notes creators will have access to funds the moment payouts are sent. The messaging also indicates the Stripe option is no longer available to U.S. creators, which requires them to use X Money to receive platform payments.

X Money is part of X's broader payments offering. Features mentioned in X's materials include instant payments, a debit card with 3% cash back, and free ATM withdrawals. X Money accounts are not traditional bank accounts—funds are held at Cross River Bank, which is FDIC-insured. X also links creator payouts to its direct-deposit rules for earning a higher APY: X Premium customers can access a boosted APY rate (6% listed on the service site) versus the standard 4% rate.

X will issue 1099-NEC forms to individuals who receive creator payouts. For entities such as LLCs, X will collect W-9 information to ensure correct tax reporting.

The payout shift follows other updates to X's creator ecosystem. X plans to retire its Creator Revenue Sharing Program on Sept. 7, and creators are being moved into the Original Content Rewards Program, which emphasizes original work.

If you are a U.S.-based creator earning through subscriptions or Original Content Rewards on X, expect payouts to land instantly in X Money and plan to set up an X Money account if you haven't already. If you prefer a different payout processor or bank routing, that option will no longer be available for these U.S. payouts. International creators should see no change and will remain on Stripe for the time being.

Concrete next steps for affected creators

• If you do not yet use X Money, follow X's onboarding flow in the app to receive future payouts.
• Prepare for tax reporting: expect a 1099-NEC if you're paid as an individual and provide W-9 details if you operate through an LLC.

The move speeds access to earnings for U.S. creators by making payouts instant, but it also centralizes payouts inside X Money and removes Stripe as a payout option for U.S. users.