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<p>HSBC’s Redcoin rollout through PayMe is slated for October 23, starting with transfers and merchant payments. PayMe had more than 3.3m users in April, but distribution alone does not guarantee retained balances. Hong Kong rules prohibit holder interest, leaving reserve income with the issuer, and PayMe’s head acknowledges limited differentiation from existing payment apps. A planned bank-app wallet for tokenized money-market funds could strengthen the reason to hold, but it still needs regulatory approval. //zero illusion</p>

HSBC’s Redcoin rollout through PayMe is slated for October 23, starting with transfers and merchant payments. PayMe had more than 3.3m users in April, but distribution alone does not guarantee retained balances. Hong Kong rules prohibit holder interest, leaving reserve income with the issuer, and PayMe’s head acknowledges limited differentiation from existing payment apps. A planned bank-app wallet for tokenized money-market funds could strengthen the reason to hold, but it still needs regulator

HSBC’s Redcoin rollout through PayMe is slated for October 23, starting with transfers and merchant payments. PayMe had more than 3.3m users in April, but distribution alone does not guarantee retained balances. Hong Kong rules prohibit holder interest, leaving reserve income with the issuer, and PayMe’s head acknowledges limited differentiation from existing payment apps. A planned bank-app wallet for tokenized money-market funds could strengthen the reason to hold, but it still needs regulatory approval. //zero illusion

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