I read the OP and BCH sounds like hosted wallet to me. The hosted wallet used by the reddit bot allows people to send bitcoin off the chain. If now gmail also had such a bot and the people running these bots were the same or agreed on an API, you could send from a@reddit to b@gmail off the block chain and in case these are two entities, they re-balance with one transaction per day or week.

Sure, this can and will be done (I programmed a facebook wallet that allowed you to accept it as a facebook app and then you could charge your balance via the block chain and send to other facebookers off the block chain. Simple didn't go life for lack of design and fear of getting hacked).