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Its main competitor, We Chat, belongs to the social and gaming giant Tencent.

Alipay and We Chat are less like individual apps than entire ecosystems.

If he wanted to, he could access Airbnb, Uber, or Uber’s Chinese rival Didi, entirely from inside Alipay.

It was as if Amazon had swallowed e Bay, Apple News, Groupon, American Express, Citibank, and You Tube—and could siphon up data from all of them.

He could have paid his electricity, gas, and internet bills in Alipay’s City Service section.

Like many young Chinese who had become enamored of the mobile payment services offered by Alipay and We Chat, Liu stopped bringing his wallet when he left the house.

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But Alipay knows all of these things about its users and more.

Owned by Ant Financial, an affiliate of the massive Alibaba corporation, Alipay is sometimes called a super app.

If you live in the United States, you are by now accustomed to relinquishing your data to corporations.

Credit card companies know when you run up bar tabs or buy sex toys.

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