There actually are businesses that will validate your account for you (if you are really willing to give them your username and password), and others that will

There actually are businesses that will validate your account for you (if you are really willing to give them your username and password), and others that will send you money through the app that you can then spend to some degree (1000CNY max balance, 200CNY max sent at a time) without having a Chinese bank account of your own. They do charge way more than the exchange rate for this service.