X holds money-transmitter licenses in more than 40 states and is aiming the app squarely at X's roughly 600 million monthly users, who can tip creators, pay bills, buy in-app, and send each other money without leaving the platform. The average U.S. savings account pays under 1%, and even the best online high-yield accounts have topped out around 4% to 5%. So 6% is eye-catching, but analysts are skeptical it is built to last.