here i will save your time reading that long nonsense - if you don't live in China and travel there, then ask any Chinese to top up your account and give them cash in exchange. if you live in China getting phone number and bank account it's extremely easy, there is not even waiting period for bank card, because there is no name on UnionPay cards so they can give you card immediately
That's great advice, except for one thing: Many Westerners visiting China cannot accept money transferred to them. The "wallet" functionality just doesn't exist. That's why I wrote that blog post. Sorry it wasn't useful for you.
