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.
RE: Elon Musk's Twitter: Billion In Transaction Fees