this is a duplicate market to account for international payments. there is a 

for the purpose of this market, P2P payments must be available to at least 4 locations with a different primary currency (meaning, four countries within the eurozone would not count, but USD, CAD, EUR, and NZD would). 

 countries must be fully launched and not in rollout/beta/testing, even as a premium or subscription-based service.

it's been a topic/speculation/stated in no uncertain terms since the X purchase: Elon wants to add payment functionality as part of his goal to make X the "everything platform." 

X will launch peer-to-peer payments in 2024