Igor's call, in full

While the world watched rockets land, Musk was building the financial layer nobody saw coming. X Money launches in April 2026 with money-transmitter licenses in 41 US states, a Visa partnership, a 6 percent yield, and 600 million monthly active users on day one. This is not a Venmo clone. It is a 27-year plan reaching its first public milestone. I forecast that by 2030, X Money processes over $1 trillion in annual transactions, and several mid-size banks lose more than 20 percent of their deposit base to that 6 percent yield. By 2040, X Money is no longer a payments app, it is infrastructure, as invisible and essential as electricity, for a generation that never opened a traditional bank account. The secret weapon is Grok. xAI is hiring Wall Street bankers to train it on financial strategy, reading real-time sentiment from 600 million users. I forecast that within 36 months, X Money introduces AI-driven credit scoring based on your social graph, the first serious alternative to FICO since its creation. Your follower count becomes collateral. No bank has that data.

Adjacent calls

Tesla's $25 billion terafab is real vision on a brutal timeline. First meaningful output in 2028 at the earliest, full scale a 2030 story.On trackBanks lend against fractional basquiats and picassos the way they lend against real estate. Tokenized art-backed lending becomes a $5 billion-plus slice of private credit by 2030.Early callBy 2029, the digital euro turns your money into programmable, surveillable, conditional credit.Early call

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