Zhang Xiaowen, a 36-year-old serial entrepreneur from Jiangsu Province in China, put up about $4,500 that Mr. Dahill tapped on an online lending platform. The deal promised a quick 13 percent return that — crucially, for Mr. Zhang — will be paid in American dollars. Mr. Zhang initially invested Chinese renminbi, meaning he is effectively moving part of his wealth offshore.

“Otherwise,” Mr. Zhang said, “transferring money out of the country can be so difficult.”

The new routes to get money out of China show how the country’s fast-moving technology scene once again has leapt ahead of regulators. A broad array of apps and services give average Chinese consumers new ways to spend, transfer money and even invest, sometimes in ways that surpass what people are able to do in the United States.

China cracked down on money flowing abroad this year after investors began shifting funds out of the country at an alarming rate, contributing to a sharp drop last year in the country’s foreign exchange reserves. Last month, China took new steps to stop the outflows, increasing scrutiny of big foreign deals and requiring clearance for transfers of $5 million or more.

So far, the new investing channels have largely been unaffected. Mobile apps like Niuniu, Jimubox and Tiger Stocks allow investors to buy and sell foreign stocks from their smartphone. Online portals allow them to pool their money to buy a piece of international real estate outright, or to fund buyers abroad like Mr. Dahill in New York.

Unlike other ways China’s wealthy invest abroad, these new services are often priced for ordinary people. Micai, a “robo-adviser” app that also provides online investment services, has an investment threshold of $5,000. Wealth Migrate, a South African crowdfunding platform that was introduced in China this year, is experimenting with $100 real estate investment products.

“The Chinese people have the same needs as other investors,” said Scott Picken, the chief executive of Wealth Migrate. “They want wealth preservation and peace of mind.”

Mr. Zhang, the investor who partly backed Mr. Dahill’s property, made his investment through the website of Haitou360, a New York-based investment service with offices in China. Haitou360 — the Chinese portion means “to throw into the sea” — then aggregated investments from clients to buy loan packages from well-known American crowdfunding platforms like RealtyMogul and Patch of Land.