If I understand correctly, your point is that Musk best option is to create a similar payment system that Wechat has via Twitter?
I see this transition to an "Everything APP" difficult for Twitter. If this system was so easily implemented and the business opportunity is there, META would have surely taken advantage of this incredible opportunity in one of their APPs(Whatsapp, Instagram, FB) which are much more widely used than Twitter.
Unsure what he has on mind with this acquisition but it is going to be interesting how this plays out in the long run.
Musk has an advantage. He was there for the creation of PayPal so he is well aware of what digital payment systems can do and how to integrate them. He does have a lot that he needs to add to Twitter to make it the everything app but he has the ability.
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I completely agree that he has the Know-how comming from the Pay-pal background. Still, I see a long road ahead to create the everything app. It would be incredibly interesting if he takes that monetization path though!