TikTok is considering going beyond short video. After making TikTok Shop an important part of its ecosystem, the company is preparing a next step that has drawn attention: a system for sending money directly in a private message.
Payments as simple as sending a message
As reported by Bloomberg, the code in the U.S. version of TikTok for iPhone already contains references to a payment system via DMs. The system would be based on the current TikTok Pay, already present in Southeast Asia, and would make it possible to create a transfer with a simple tap, accompanying it with a message.
The feature is, as far as we know, in the early stages of development and is notable for its similarity to Venmo or Zelle, but there’s more. Moving money within a social network is something that has to be considered very carefully. Financial scams, many through direct messages or posts, spread especially well on social media.
So, making payments from deceptive posts as easy as tapping the message button on the post itself is something to keep in mind.
That said, the idea fits very well with a platform whose algorithm is fueling sales. The ease of use is certainly appealing and makes a strong case both for and against. For now we’ll have to wait for the final implementation, if it happens at all, to judge the system. In the meantime, alongside X and similar platforms, we can add TikTok to our list of services exploring peer-to-peer payments.
Author: David Bernal Raspall
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