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Apple App Store — Payments

3.1.5 — Cryptocurrencies

Official source: App Store Review GuidelinesTopic overview: Content, user safety and legal rights
What this guideline means

Apps facilitating cryptocurrency trading need to come from properly licensed providers where required, wallet apps have to be from a developer enrolled as an organization, and actual on-device crypto mining isn't allowed at all — only cloud-based mining services can be offered.

Why apps actually get flagged

Most often caught by an app attempting on-device mining, or a crypto exchange app submitted from an individual developer account rather than a licensed organization.

A real example

"Your app facilitates the mining of cryptocurrency directly on-device, which is not permitted per guideline 3.1.5."

The short version, in more detail

Guideline 3.1.5 sets out requirements for apps that deal with cryptocurrency. Wallet apps must be offered by organisations, exchanges and trading services need appropriate licences where required, and mining on the device itself is not allowed. Cloud-based mining services are treated differently. Because financial rules differ by country, a developer's licensing and regional availability are part of the review.

Why this rule exists

Cryptocurrency apps can involve real money, regulatory obligations and the risk of fraud or loss for users. Apple therefore expects the party behind the app to be accountable, which is why organisations and licences are emphasised. The ban on on-device mining protects battery life, device health and users who might not understand that their phone is being used to generate coins for someone else.

What this guideline covers

  • Wallets, exchanges and trading apps.
  • Licensing and regional availability for financial services.
  • Initial coin offerings and similar financial instruments.
  • Mining, and the difference between on-device and cloud mining.

What usually triggers this rejection

  • A mining feature that runs on the user's device.
  • An exchange submitted from an individual account without a licence.
  • A wallet app submitted by an individual developer.
  • Offering a financial service in a region without authorisation.
  • Unclear details about who operates the service.

How reviewers evaluate it

  • Reviewers check the developer account type for wallets and exchanges.
  • They ask for evidence of licensing where it is needed.
  • They test whether any feature uses the device to mine.
  • They consider where the app will be available.

Common misunderstandings

  • Crypto is not banned. The requirements concern who is offering it and how.
  • Cloud mining is not the same as running the miner on the phone.
  • A global app still needs to respect regional financial rules.

Common questions

Can an individual publish a crypto wallet?

Apple expects wallet apps to come from organisations.

What about NFTs?

Related rules cover how digital items are sold and unlocked, so review depends on how the feature works.

Where is a licence needed?

It depends on the jurisdictions in which the service operates.

Platform rules change often. This page is a plain-language explanation written by AppReviewFix, not official guidance. Check the current App Store Review Guidelines for the exact wording.

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Gambling — Real-money gambling, games, and contestsBlockchain Content — Blockchain-based contentFinancial Services — Financial servicesAge-Restricted Content — Age-restricted content and functionality5.3.3, 5.3.4 — Real money gaming and lottery requirements
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