X Payments itself is not an FDIC-insured bank, but it has been racking up money transmitter licenses across the U.S. X now has licenses in over 40 U.S. states, and, in X’s public all-hands meeting in February, Musk told staff that the service would enter a limited external beta in a month or two, before going worldwide to all users.
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As people increasingly turn to language models for information, they face a risk distinct from the familiar problem of hallucination. Unlike hallucinations, which introduce falsehoods, sycophancy is a bias in the selection of the data people see. When AI systems are trained to be helpful, they may inadvertently prioritize data that validates the user’s narrative over data that gets them closer to the truth.