I don't think it's about payments per se, it's about owning the moment when spending money is required / relevant for the user. If you're in a chat app all dam

I don't think it's about payments per se, it's about owning the moment when spending money is required / relevant for the user. If you're in a chat app all damn day (like all my family is), and something comes up (OMG it is Dad's birthday), I'd rather just get the shopping, reservations, etc done right then and there at the point of relevancy. WeChat's success isn't about having the credit card, it's about making that moment of action extremely fluid.