Blocks submissionApp Store

Loans, trading, insurance, fundraising and gifts follow the business-model rules

The question The listing mentions money features. Which of these does the app do: loans, trading or investing, insurance, charity fundraising, person-to-person gifts, tips? For each, does it meet the section's condition (licensed institution, APR at most 36% with full terms, approved nonprofit with Apple Pay, gift entirely to the recipient)?

A person or a model answers it from the app's texts and screens; the answer is kept only while the facts it saw are unchanged.

Checked from built, not yet uploaded, on a test track, submitted and in review, published

The rule, in our words

App Review Guidelines: Acceptable: showing your own apps for purchase or promotion, as long as the app is not merely a catalog of them; curated collections of third-party apps for a specific approved need with robust editorial content; disabling approved rental content (films, TV, music, books) after the rental period, while all other items and services may never expire; Wallet passes for payments, offers or identification only; insurance apps that are free, legally compliant where distributed and do not use in-app purchase; approved nonprofits fundraising with Apple Pay support, disclosure of how funds are used, legal compliance and tax receipts, with nonprofit platforms listing only approved nonprofits; person-to-person monetary gifts without in-app purchase if the gift is fully optional and 100% goes to the recipient, but any gift connected to digital content or services must use in-app purchase; financial trading, investing or money management apps should be submitted by the institution providing the service and must hold the necessary licences where offered.
App Review Guidelines: Unacceptable: an app-store-like catalogue of third-party apps; inflating ad impressions or being mostly ads; collecting charity funds in-app unless an approved nonprofit; arbitrarily restricting users by location or carrier; manipulating rank on other services; binary options; unlicensed CFD or forex trading; loans above 36% APR, without full terms shown, or due in 60 days or less; and forcing people to rate, review or install other apps to use the app.

Okkok never stores the stores' text. Each item above is our paraphrase, and the link is the page it rests on, verified unchanged by fingerprint on every run.

The other store

Both keep donations and P2P gifts outside store billing. Apple restricts fundraising to approved nonprofits with fund-use disclosure and tax receipts; Google states no such organisational condition here. partial
Google adds a mandatory console declaration and country-specific licence requirements (India, Indonesia, Philippines, Nigeria, Kenya, Pakistan, Thailand); Apple relies on the submitter being the licensed institution. partial
Same numbers (36% APR, 60 days), but Apple's APR cap applies globally while Google's applies to the United States; Google adds Finance-category placement, TILA-compliant APR display, and forbids loan apps holding contacts, location, storage, media and phone-number permissions. google-stricter
Google enumerates hidden ads, tricked clicks, fake install attributions and lying to ad networks; Apple states only inflation. same

Check your app

pip install git+https://github.com/petresandu-cloud/okkok
okkok audit path/to/app

The report names this rule as apple.3.2.money-features-licensed and says what to do, who does it, where, and how it knows.