[Google Wallet apparently makes it easy](http://www.google.com/wallet/send-money/) to send money to friends, but it's not clear what can they do with any funds received; there seems to be no mention of any methods for withdrawing the money.

Does this mean received funds need to be spent through a merchant that uses Google Wallet, or can they also be withdrawn (say, to a bank account)?

If so, will this also work for non-US based users? (e.g., I'm in New Zealand)