In addition to vendor transactions happening through its popular e-commerce hub TikTok Shop, TikTok users can purchase digital coins to send virtual gifts to creators and hosts of livestreams that can ultimately be converted to cash, for example. Many people also list their Venmo, Cash App or other payment method in their TikTok bios so that individuals they connect with on the app can send them money off-platform. Features allowing users to pay each other directly through direct messages, or the app more generally, would help TikTok keep users inside its ecosystem and capture more value from those transactions.