As a user who never plays with contracts, I just noticed that the Binance app allows customizing the bottom main navigation, so I swapped the 'Contracts' tab for 'Pay.' Turns out Binance actually supports topping up with a +86 phone number, defaulting to USDT, but you can also pay with BTC, PEPE, and other tokens, converted (sold) at the current price. There's even an option to recharge using App Store gift cards—might try it next time for topping up AI products.