Thanks. I think Zalo's only big in Vietnam, so we're at one example outside of China, where the rules have never been the same anyway. GGP's premise doesn't seem to hold up, though I can see the idea of banks getting exceptions being potentially more accurate.

Though if it's similar to Line I wouldn't even count Zalo either, as said, from what I've seen with Line it doesn't have an app-store-in-app, all functionalities are predetermined and preinstalled. It just does a lot of things, but that in itself doesn't go against any App Store rules.