[captainhcg]

- `How does the money enter the network in the first place? You can use services like Venmo without linking payment information, but obviously you can't withdraw your balance. reply` - `So where is that e-money coming from? You must be linking something... a bank account perhaps?`

Nowadays most people have already linked their accounts with bank. But you still do not have to. When the feature first released in 2014, most people used the e-money for social purposes like sending gift cards and transferring small amount of cash; people just did not withdraw money.

That's one of the most important reasons why WeChat won tens of millions e-money users in a very short period.