The Meta-owned communications app is filing a federal court contempt order against NSO.
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Pavel Durov and his “private” messaging app have a brand new rival, and it’s — drumroll, please — Elon Musk and his XChat. On our blog, we’ve discussed more than once why Durov’s claims about Telegram privacy and security are exaggerated, to put it mildly. Here, I’ll just remind the reader that standard (non-secret) chats on Telegram aren’t protected by end-to-end encryption — the bare minimum required for user data to stay private.
But let’s get back to Musk. In late April 2026, the XChat app launched for iOS users. The tech mogul had been touting his messaging app for a long time, pitching it from day one as an incredibly private and secure way to communicate, and as a direct threat to Signal, WhatsApp, Telegram, and iMessage. Today, we look at whether we should actually trust Musk’s promises this new service, break down its core features, and stack it up against the competition.
Musk initially teased XChat on June 1, 2025, naturally via his X (formerly Twitter) account. Responding to another user’s question about when to expect the new service, Musk wrote: “This week if there are no scaling issues.”
Apparently, scaling issues there were: the app’s beta didn’t drop until September 2025, and iOS users didn’t get full access until April 2026. As for Android, there is zero info on when that version would launch at the time of this writing. That said, an XChat page is already live on Google Play where users can queue up “pre-register”, whatever that means.
But let’s go back to Musk’s post announcing XChat. That specific post turned a lot of heads in the privacy and cybersecurity community, and here’s why: the tech mogul wrote that the service would be built on an “entirely new architecture”, written in Rust, and featuring “Bitcoin-style encryption”.
Elon Musk announces the launch of XChat, claiming the new messaging app is written in Rust and uses “Bitcoin-style encryption”. Source
The expert community spent a long time scratching their heads and trying to figure out what Musk actually meant. After all, Bitcoin isn’t an anonymous, encrypted data exchange system. The blockchain does use public and private cryptographic keys, but for something entirely different: signing transactions. Meanwhile, these transactions aren’t hidden from prying eyes; they’re out in the open for anyone to see, forever. Simply put, Bitcoin protects its users not by ensuring privacy, but quite the opposite — through ultimate transparency.
Most likely, Musk used “Bitcoin-style encryption” as a marketing gimmick. Bitcoin was trading near all-time highs at the time of his announcement, and cryptocurrency was the talk of the town. Technically, the XChat beta that dropped in September 2025 protected user chats with a “kind of” end-to-end encryption, but this was implemented in a way that raised serious doubts among cryptography experts.
And not without a reason. Normally, setting up an end-to-end encrypted chat automatically generates a public and private key pair. The public key is used to encrypt messages, while the private key decrypts them. Because other users need your public key to start a secure chat with you, these keys are usually stored on the app’s servers.
The private key, however, should ideally live only on the user’s device — which is exactly how Signal does it. This serves as a simple, ironclad guarantee that neither the company itself nor any third party breaching its infrastructure can access user chats, even if they really want to.
But Elon Musk’s projects always march to the beat of their own drum: the XChat developers decided it would be a great idea to store users’ private keys on XChat servers. X claims they’ll use hardware security modules (HSMs) to store these private keys — specialized appliances designed to prevent even the system owner from easily accessing the data inside. However, experts are also questioning the reliability of this setup, and coming to a grim conclusion: if X really wants to get a user’s private key, they will most likely be able to do so.
Finally, once the scaling issues were ironed out nearly a year after the announcement, X officially rolled out the XChat app for iOS in April 2026. Now anyone can use it, but from a practical standpoint, the situation with encrypted chats seems even more convoluted than in Telegram.
According to the social network’s help center, to use end-to-end chat encryption in XChat, both users must have an X account, set up XChat, and have some sort of connection between them:
If users don’t follow each other and haven’t interacted before, XChat might still let them send a message request. However, that initial request goes out without end-to-end encryption.
Again, this is how the process is described in the messaging app’s official help documentation. Sound overly complicated? Let me reassure you: in practice, it works — or rather, doesn’t — completely differently. I personally managed to send a message to another user who had NOT set up XChat. The app itself, of course, gave me absolutely no warning about this.
The app allows you to start a chat with a user who hasn’t even set up XChat yet, without giving the sender any heads-up.
It gets even better. The user I messaged saw a notification for it on the web version of X, but couldn’t actually access the message. Here’s the catch: to start using XChat, the user first has to create a four-digit PIN. Yet, the app asks for this PIN the very first time the user tries to open it — meaning, before they even get a chance to create one. Along with this prompt, the user also sees a warning stating that without the PIN, they won’t be able to view past encrypted chats.
The user is prompted to enter a PIN to decrypt past messages before even completing the initial XChat setup.
The only workaround I found to actually start using XChat is to tap “Forgot PIN?” — even though that PIN never existed in the first place — confirm your identity, and create a new (well, your first) PIN. Naturally, you lose access to your chat history this way, so you won’t be able to read any messages sent to you in XChat before you officially set up the app.
All these PIN hurdles actually exist for a reason. Remember, unlike WhatsApp and Signal, the XChat developers decided to store users’ private keys on their own servers. Consequently, the app uses these four-digit PINs to encrypt those keys.
According to the XChat help documentation, this mechanism was designed to ensure a “seamless” multi-device experience. It’s impossible not to point out that both WhatsApp and Signal managed to pull this off without sketchy workarounds like PIN requirements or server-side private key storage.
The problem is, workarounds like these undermine any claims of app privacy and security. First and chief among them, a PIN isn’t exactly the most secure way to protect sensitive data. We’ve mentioned time and again that four-digit combinations are easy to crack via brute force — especially since XChat gives you a generous 20 attempts to guess the right code.
The app allows up to 20 attempts to enter the four-digit PIN. Once the limit is reached, XChat warns that access to messages will be permanently lost.
Stepping away from the bizarre implementation of end-to-end encryption compared to other messaging apps, it’s hard to ignore the overall sense of pointlessness that comes with trying to use XChat. As a Wired journalist rightly pointed out, the app feels less like a relative of WhatsApp, Signal, or Telegram, and much more like Facebook Messenger. Except people usually open Messenger to read a text from their mom or grandma, whereas XChat seems meant for anyone wanting to check in on that weird nephew who spends all his free time on X, still believes John McAfee’s promise of $500 000 Bitcoin, and fanboys over Elon Musk.
The best way to wrap up this post is with a quote from a cybersecurity expert: “If what you want is good security, use Signal. If what you want is to be able to talk to pretty much anybody using encrypted messages, use WhatsApp. If your whole life is based around X, I guess this is better than nothing.”
If you do use XChat, rule number one is to avoid a predictable PIN — absolutely don’t use your birth year or, worse, 1234. It’s also crucial not to forget this code, because if you do, your entire chat history is gone for good. Finally, just like your other passwords, you shouldn’t keep it in your notes app, but rather in a secure password manager. This won’t only save you from having to memorize dozens of character combinations, but will also reduce the risk of losing access to your vital data and conversations.
To learn more about secure messaging in other apps, check out our other posts:
It starts with the familiar: a short message, a trusted name, a routine tone. Delivery updates, work pings, brand alerts hum in the background, rarely attracting scrutiny. You check, you answer… — until minutes later you’ve slipped into a trap built to lower your guard and hijack your trust.
That’s why messaging scams cut deep: they exploit everyday habits where instinct, not caution, leads. Communication once moved slowly, leaving room for doubt. Now it’s instant — and that speed is a weapon in criminal hands.
On our blog, we’ve already examined numerous scam schemes in messaging apps — from pig butchering, where the victim is groomed for a very long time, or catfishing, where the scammer creates a fake identity, to phishing via chatbots or through gift-giving campaigns in messaging apps.
Now, for the first time, Kaspersky has set out to capture the full end-to-end reality of messaging-based scams to understand how quickly harm occurs, how they impact trust and what remains after the interaction ends. What emerges is a highly organized and industrialized scam ecosystem embedded within everyday messaging channels such as SMS, WhatsApp, and email.
Kaspersky experts have prepared a report on targeted scams in messaging apps, detailing not only the financial but also the emotional damage caused by such attacks, as well as providing tips on how to protect yourself and avoid them. In this post, we explore the most interesting facts, but you can find more details in the full report.
How much do you think a single successful attack via a messaging app costs the average victim? Ten dollars? Or maybe 50? You’re underestimating the scammers. Although more than a third (36%) of victims incur losses of less than $135, on average a victim loses… $733!
| Country | Average loss per victim |
| Senegal | $392.94 |
| Serbia | $493.32 |
| Morocco | $504.28 |
| Greece | $609.32 |
| United Kingdom | $617.38 |
| Côte d’Ivoire | $654.11 |
| Spain | $672.67 |
| United States | $724.73 |
| Portugal | $868.20 |
| Italy | $896.02 |
| France | $1,193.58 |
| Germany | $1,369.35 |
The average amount lost by a victim in a successful attack via a messaging app
On the one hand, the financial hit doesn’t look catastrophic in isolation. These are micro-losses by design. Small enough that some never report them to the police. Small enough that banks don’t always investigate. Small enough to be dismissed as bad luck rather than organized crime.
But $733 is not nothing. It’s enough to cover a month’s worth of groceries, school or daycare fees, or utility bills. Against the backdrop of the global cost-of-living crisis, a single such loss can seriously dent a family’s budget.
In 11% of cases, losses exceed $1,350, and more than a quarter of victims (28%) report having been scammed three or more times in the past six months. Once scammers discover that a phone number responds, that contact becomes an asset, circulating from one database to another.
Now imagine the scale of the problem: if just 10% of the three billion messaging‑app users worldwide fell victim with the average loss, the total damage would amount to… nearly $220 billion! This is comparable to the GDP of Greece, and exceeds that of Morocco, Serbia, or Côte d’Ivoire.
It becomes clear that behind the daily flood of fraudulent schemes lie large scam cartels operating on an industrial scale, using AI to personalize messages that mimic those of family members, friends, and familiar brands. This, in essence, forms the basis of a full-fledged economy built on digital identity theft.
More than half of successful messaging scams (52%) unfold in under 30 minutes — from first contact to the moment money or personal data changes hands — or even faster, before the victim begins to doubt the legitimacy of the sender. In fact, one in seven scams takes less than five minutes — quicker than boiling an egg!
The speed isn’t accidental. It’s the method. Scammers structure their schemes to deny the victim a chance to come to their senses. Every element is engineered to compress the decision-making window: the urgency of the scenario, the familiarity of the format, the plausibility of the request.
They rush you — faster, faster, don’t tell anyone, you only have a few minutes, solve the problem, don’t ask questions. Click the link, fill in the details, approve the transaction, or else… Or else what? The scammers’ imagination knows no bounds here, but if you don’t do something right now, you’ll definitely regret it.
Alas, the realization of what has happened usually comes when the damage is already irreversible. More than half of victims (51%) lose money; another 43% hand over their personal data — most commonly phone numbers, names, and email addresses — to scammers, and often the victim loses both.
A delivery notification, a bank alert, a message from a merchant you ordered from last week — messaging apps permeate every aspect of everyday life, making such interactions completely normal. An attack shouldn’t feel like an attack. It should feel like the same message you’ve received hundreds of times.
It’s no surprise that scammers focus their attention on this method of communication first and foremost. The most popular platforms for scams are predictable: WhatsApp (43%), SMS/iMessage (40%), Facebook (27%), Telegram (22%), and Instagram (19%) — these are the ones that people trust most.
A wide variety of schemes is used. Brand impersonation is now one of the three most common types of messaging scam worldwide — accounting for 31% of cases. Fake delivery notifications top the list at 38%, followed by investment scams at 37%.
At the same time, nearly two-thirds (63%) of fraudulent schemes span multiple platforms, moving from SMS to WhatsApp, from WhatsApp to Telegram, etc. In this way, scammers achieve two goals: they mimic organic messaging and evade moderation algorithms.
Just a couple of years ago, fraudulent messages gave themselves away with bad grammar, awkward phrasing, illogical requests, and an obsessive sense of urgency. Today, a phishing message looks, sounds, and reads just like the real thing.
Scam cartels want to catch people in motion — between meetings, on a commute, or during everyday tasks — when your attention is already fragmented. They mimic your mother’s turn of phrase. They match your bank’s tone of voice. They copy your courier’s format exactly. They mirror the rhythm, structure, and style of authentic brand communications across messaging platforms. And AI is accelerating all of it.
What this creates is overlap. Legitimate and fraudulent messages appear in the same environment, using the same formats, language, and triggers. The difference between them is no longer obvious.
The data shows that two-thirds of victims (66%) believe AI was used in the scam against them, 42% cite messages written by AI, 31% report generated or cloned voices, and 25% encountered deepfake images or videos.
That’s why mere awareness and “tech-savviness” may no longer be enough to protect oneself. From Gen Z to Gen X, messaging scams cut across every generation.
But money is far from the only problem a victim is left with after an attack. After what they’ve been through, people develop distrust toward incoming messages, unfamiliar numbers, and any requests for action. As a result, 99% of fraud victims say they no longer trust incoming notifications in messaging apps.
This creates a crisis of trust in all digital channels in general. Every legitimate message can now be perceived as a scam. Brands, banks, and delivery services are forced to operate in an environment where the customer is, by default, in a state of distrust.
Dr. Elizabeth Carter, a forensic linguist and criminologist at Kingston University in London, notes that scammers use familiar contexts, common social settings and embedded linguistic norms to create the illusion for the victim that their decision-making is rational and reasonable in the moment. However, what is actually happening is that they construct false realities in which those decisions end up causing financial and psychological harm. She also notes that it is very hard to identify a false reality while you are in it.
After realizing they had been deceived, more than half of victims felt anger — the kind that comes from having trusted something and discovering it was used against you. 42% of victims report frustration, 38% — feeling upset. Moreover, several months later, these feelings haven’t gone away: nearly half of all victims (48%) are still angry, a third (33%) remain frustrated, and 30% are upset.
And nearly one in 10 victims don’t tell anyone what happened. They feel shame, a sense of having fallen for something so obvious. This leaves a significant portion of the actual damage unreported: only 24% of victims contact the police, and only 23% report it to their bank.
The crisis of trust — and even a touch of paranoia — that has arisen due to widespread attacks on users can linger in victims’ minds for a long time, affecting their quality of life. To prevent this, follow these guidelines:
We’ve covered other threats in messaging apps in similar articles:
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