Elon Musk's Department of Government Efficiency (DOGE) has effectively dismantled the Consumer Financial Protection Bureau (CFPB) just days before the launch of X Money, a new digital payment platform. The move follows a rapid sequence of events where DOGE gained access to sensitive CFPB data, leading to the suspension of the agency's activities and termination of most of its staff. This development comes as X Money, backed by a partnership with Visa, prepares to enter the market without the regulatory oversight previously imposed by the CFPB. The dismantling of the CFPB has raised significant concerns about competitive fairness and regulatory integrity. The DOGE team accessed confidential data from major competitors, including PayPal and Cash App, without completing necessary privacy and cybersecurity training. This access has been criticized as providing an unfair advantage to X Money, which promises a 6% APY on deposits, a rate questioned by lawmakers given the current federal funds rate. Senator Elizabeth Warren has publicly questioned the influence Musk may have had on regulatory exemptions in the GENIUS Act, which could benefit X Money's operations.