XRP and XLM are top picks for Elon Musk's upcoming X Money, a crypto-powered payment system aimed at revolutionizing social media. The platform, guided by Grok, emphasizes speed, cost, and scalability for global payments, with Dogecoin included for branding appeal. Stellar's decentralization and XRP's partnerships enhance their potential, while Dogecoin's popularity, despite scalability limitations, positions it uniquely in the market.