Does Apple enforce any 30% IAP cut guidelines on fintech apps?

Question

I am working on a fintech app. Based on my experience, banks, trading apps like robinhood, and other fintech apps all seem to have their own payment systems/services incorporated (Stripe, etc). Does anyone have any experience with dealing with App Review with products like this?From the Apple dev docs:> Apps utilizing a system other than the In-App Purchase API (IAP) to purchase content, functionality, or services in an App will be rejected.And:> Apps used for financial trading, investing, or money management should come from the financial institution performing such services or must use a public API offered by the institution in compliance with its Terms & Conditions.And:> Apps that provide services in highly-regulated fields (such as banking and financial services, healthcare, and air travel) or that require sensitive user information should be submitted by a legal entity that provides the services, and not by an individual developer.

btian · Accepted Answer

You cannot use IAP for fintech. See https://developer.apple.com/app-store/review/guidelines/#goo...> 3.1.5(a) Goods and Services Outside of the App: If your app enables people to purchase goods or services that will be consumed outside of the app, you must use purchase methods other than in-app purchase to collect those payments, such as Apple Pay or traditional credit card entry.

sushshshsh · Answer

If you are asking if Apple demands 30% of whatever stock I purchase in Robinhood, the answer is most definitely no. Robinhood would be out of business overnight :)