# X Payments: Comprehensive Financial Ecosystem Overview
X Payments is transforming digital finance with a fully integrated ecosystem that extends far beyond traditional tipping functionality. This article explores how X Payments combines an in-app wallet, peer-to-peer transfers, interest-earning capabilities, and cross-border transactions into a self-contained financial platform. Designed for users seeking seamless money management within a single application, X Payments addresses the need for accessible, low-fee financial services comparable to Venmo and Apple Pay. The platform has secured payment remittance licenses across 25 U.S. states and officially launched its complete financial ecosystem on December 18, 2023, achieving over 1 million registrations within 72 hours. This guide covers core features, regulatory compliance, supported currencies, transaction processes, security measures, and the distinction between X Payments and traditional payment services like PayPal and Stripe.