TikTok Tests P2P Payments in Direct Messages
Prefer us on GoogleTikTok is exploring the possibility of allowing users to send money to each other through direct messages. References in the code of the iPhone app in the United States, found on August 18, 2026, suggest that the company is working on this feature. Users could send money via DM, and the recipient would need to accept the payment before it expires. Additionally, a note could be added to the transfer, and notifications about the status of the transaction could be received. The feature would utilize TikTok Pay, which already operates in Vietnam, Malaysia, and Thailand, primarily for purchases on TikTok Shop. However, TikTok has stated that the feature is not currently being tested in any market, indicating that the project is in its early stages and does not guarantee its launch. This initiative adds to TikTok's expansion into financial services, after requesting authorization from the Central Bank of Brazil to operate as a financial technology company. The incorporation of P2P payments also presents challenges, such as an increased risk of fraud and the need to strengthen identity controls and financial data protection. Other social networks, such as X and PayPal, are also advancing in this direction, suggesting a transformation towards ecosystems where communication, commerce, and financial services converge.
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