TikTok explores peer-to-peer payments via DMs, report says

报道称 TikTok 正在探索通过私信进行点对点支付

TikTok is developing a feature that would allow users to send each other money via direct messages, according to a new report from Bloomberg. If rolled out, the feature would use the social media service’s TikTok Pay offering, which is already available in Southeast Asia for TikTok Shop purchases.

据彭博社最新报道，TikTok 正在开发一项新功能，允许用户通过私信（DM）互相转账。如果该功能正式推出，它将依托于 TikTok Pay 服务，该服务目前已在东南亚地区用于 TikTok Shop 的购物支付。

References to the potential feature were found in code hidden within the current version of TikTok’s U.S. iPhone app, according to the report. The code indicates that recipients would be able to “tap to accept” payments, while senders could include messages with their payments, similar to Venmo.

据报道，在 TikTok 美国版 iPhone 应用的当前版本代码中，发现了与该潜在功能相关的引用。代码显示，收款人可以通过“点击接受”来收款，而付款人在转账时可以附带留言，这与 Venmo 的操作方式类似。

TikTok told Bloomberg that the feature is not being tested, which suggests that it’s in early development. Given that the feature is still under development, it’s unknown when or if TikTok plans to widely release peer-to-peer payments. TikTok did not immediately respond to TechCrunch’s request for comment.

TikTok 向彭博社表示，该功能目前尚未进入测试阶段，这意味着它仍处于早期开发阶段。鉴于该功能尚在开发中，目前尚不清楚 TikTok 计划何时或是否会广泛推出点对点支付功能。TikTok 未能立即回应 TechCrunch 的置评请求。

It’s worth noting that this isn’t the first time TikTok has tried to push further into financial services. Reuters reported earlier this year that TikTok had applied to Brazil’s central bank for approval to operate as a financial technology company offering lending and payment services.

值得注意的是，这并非 TikTok 首次尝试进军金融服务领域。路透社今年早些时候曾报道称，TikTok 已向巴西中央银行申请批准，希望作为一家提供借贷和支付服务的金融科技公司开展业务。

Although TikTok is widely described as a social media giant, it has gradually expanded beyond that category thanks to additions such as robust search, TikTok Shop, a local discovery map, games, hotel bookings, and more. By introducing peer-to-peer payments, TikTok would be competing with services like Venmo and Zelle.

尽管 TikTok 被广泛视为社交媒体巨头，但得益于强大的搜索功能、TikTok Shop、本地发现地图、游戏、酒店预订等功能的加入，它已逐渐超越了这一范畴。通过引入点对点支付，TikTok 将与 Venmo 和 Zelle 等服务展开竞争。

TikTok isn’t the only social network pushing into financial services, as X, formerly known as Twitter, recently launched X Money to allow users to send each other money.

TikTok 并非唯一一家进军金融服务的社交网络，X（前身为 Twitter）最近也推出了 X Money，允许用户之间进行转账。