X is developing a standalone messaging application called X Chat, with a desktop version already available for managing direct messages (DMs) more efficiently. A mobile app for X Chat is also in the works to compete with messaging platforms like WhatsApp and Messenger. Elon Musk's vision for X is inspired by China's WeChat, aiming to create an "everything app" that integrates messaging and various transactions. The project includes plans for payment functionalities to facilitate financial activities within the app, but X has not yet secured the necessary licenses for money transfers in the U.S. or the EU. There are concerns about user trust in Musk's leadership and the feasibility of successfully transforming X into a super app, leading to skepticism about the necessity of a separate messaging app.