I'm not sure Apple makes or don't make an exception in China. From what I can see, Chinese chat-pay superapp features are something largely chat and web based. From what I can see, it works something like following:
a) Users may reload HNPay balance by credit card, debit, or bank transfer, through in-app browser.
b) Users may use "send money" button to create some special chat message or link, which will be intercepted at server side, to send HNPay balance to a HNPay address/user ID.
c) (Deprecated)The user may scan QR code on a fading sticker at storefront that does the same as above.
d) The user may also use "show QR code" button, have the other user/store machine scan the code, which allows the other user/store computer to do b) with a negative amount for withdrawal.
e) The HNPay balance can be refunded to bank accounts if needed.
I'm sure people here can come up with half a dozen applicable financial regulations, restrictions imposed by banks and payment processors, cybersecurity attack vectors and massive lawsuit potentials for each of above, plus perhaps couples of solvable App Store guideline difficulties across a)-e). I think those would be problems towards realizing Facebook Messenger pay or TwitterPay, not App Store special treatment that only applies to China. Not many of them, if any, use NFC and secure element hardware in iOS devices like the point 5. misleads.
a) Users may reload HNPay balance by credit card, debit, or bank transfer, through in-app browser.
b) Users may use "send money" button to create some special chat message or link, which will be intercepted at server side, to send HNPay balance to a HNPay address/user ID.
c) (Deprecated)The user may scan QR code on a fading sticker at storefront that does the same as above.
d) The user may also use "show QR code" button, have the other user/store machine scan the code, which allows the other user/store computer to do b) with a negative amount for withdrawal.
e) The HNPay balance can be refunded to bank accounts if needed.
I'm sure people here can come up with half a dozen applicable financial regulations, restrictions imposed by banks and payment processors, cybersecurity attack vectors and massive lawsuit potentials for each of above, plus perhaps couples of solvable App Store guideline difficulties across a)-e). I think those would be problems towards realizing Facebook Messenger pay or TwitterPay, not App Store special treatment that only applies to China. Not many of them, if any, use NFC and secure element hardware in iOS devices like the point 5. misleads.