Any of you using Xmoney? Just signed up.

This is something I had been wanting to explore for a while and signed up for it yesterday. You have to be a subscriber on X, but there are no ATM fees and its 3% on purchase and 4-6%APR depending on your monthly deposit. ($1000 min/mon for 6%). I don't believe there are any fees for sending/receiving money, but that isn't something I will use often.

From Co-Pilot:
Key Financial Benefits
High Annual Percentage Yield (APY): X Money provides up to 6% APY on fiat deposits, which is significantly higher than most traditional high-yield savings accounts, helping users grow their funds faster

Deposits are FDIC insured up to $250,000 per person, ensuring security for users’ money
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Cashback Rewards: Users can earn 3% cashback on purchases made with the X Money Visa card, adding value to everyday spending


Zero Fees and Global Access: The platform allows fee-free peer-to-peer transfers, instant payments, and zero foreign transaction fees, making it convenient for both domestic and international transactions

Users can spend at over 130 million merchants worldwide and integrate with Apple Pay and Google Pay

Convenience and Usability
Personalized Metal Visa Card: Each user receives a customized metal debit card linked to their X handle, combining style with functionality

Both virtual and physical cards are issued instantly, allowing immediate use.
Peer-to-Peer Transfers: X Money enables instant transfers to friends or contacts, even across borders, without fees, making it ideal for splitting bills, sending gifts, or paying back friends

Integrated Digital Asset Management: Users can spend, send, and manage digital assets like USDT, BTC, and ETH directly from the platform, bridging traditional finance and crypto seamlessly

Just wanted to see what others experience has been with it.