TikTok’s U.S. app code appears to include functionality for peer-to-peer payments through direct messages, according to a Bloomberg report cited by multiple outlets. The reported feature would allow users to initiate a payment within a chat and include a message alongside it, with the recipient able to accept the payment.
The feature is described as being exploratory. A TikTok spokesperson is reported as saying it is not yet being tested anywhere. The outlets characterize the discovery as evidence found in the current U.S. app code, rather than confirmation of an announced rollout or live payments.
Across the reports, the main emphasis is on the presence of payment-related code and how it could integrate with messaging in the app. While the underlying capability is not presented as active, the findings suggest TikTok is looking to expand beyond earlier financial transaction efforts into additional payment flows embedded in user chats.
