Imagine being an X user who’s actually excited to make the app your primary payments tool, after years of delays. You transfer funds and set things up so that your paychecks automatically deposit to X, where you expect to receive cashback rewards and a 6% annual yield on your funds—rates that are genuinely competitive with some banks.

But once you’ve put your money in the app, you realize that X Money has a lot of limitations. Most glaringly, you can currently only send peer-to-peer payments to other X users who have access and are 18 and older. And most problematically, if you add the X Card to a wallet like Google Pay or Apple Pay, you can’t use it to make purchases everywhere nationwide.

X does not have money transmitter licenses in two of the largest financial markets in the country: New York and Massachusetts. Experts previously told Ars that this exclusion alone would seem to be a barrier to X becoming a significant disruptor in the payments market. If users can’t easily tell when a payment will be accepted, that uncertainty will likely create enough friction to make Musk’s launch “bumpy,” said Daniela Hawkins of tech consultancy Capco.

All in all, it seems we’re still waiting for the moment when X Money truly takes off. But who knows? Maybe this is just another step towards a better future, even if it’s bumpy along the way.