Apple has changed its U.S. App Store policies, allowing iOS apps to link users to external payment methods for Bitcoin, cryptocurrencies, and NFTs. This significant policy change was initiated in May 2025, marking an end to the strict limitations that previously restricted crypto transactions on Apple's mobile platform.
#What Was the Previous Policy on Crypto Payments?
Under the former rules, cryptocurrency apps could not provide any links for users to purchase digital assets outside of Apple's in-app purchasing system. This system enforced a 30% commission, commonly referred to as the "Apple tax". The consequence led many app developers to avoid facilitating crypto purchases entirely. Users had to exit the app to make crypto purchases via browsers, which was inconvenient and discouraged participation in the cryptocurrency market.
#What Changed in the Policy?
The update permits developers to create direct links within their apps to direct users to third-party payment methods. This translates to greater flexibility for developers to implement crypto transactions without having to share a substantial portion of their revenue with Apple. By allowing this change, Apple enables developers to maintain the entirety of transaction fees they collect, which could lead to greater integration of cryptocurrencies within the Apple ecosystem.
#Why Did Apple Change Its Approach?
The shift in policy did not stem from Apple’s newfound enthusiasm for decentralized finance. Instead, it arose from a federal court decision that required Apple to reform its in-app purchasing restrictions. This followed the lengthy legal dispute with Epic Games, where the court ruled in favor of easing Apple's control over payment systems in apps. While Apple plans to appeal this ruling, the policy changes are currently effective, presenting new opportunities for developers.
#What Does This Mean for Crypto Investors?
For crypto wallet developers, being able to implement links to external payment options can significantly reduce the costs of operating within the App Store environment. Previously, app developers faced the dilemma of either absorbing the 30% commission, transferring that cost to users, or skipping in-app purchases entirely. The current situation now allows companies to optimize their revenue strategies and improve market competitiveness without the burden of high transaction fees.
Investors should also be cautious, as uncertainties remain due to Apple's intentions to appeal the court decision. Additionally, the changes only apply to users in the United States, limiting the immediate impact on international markets. Nevertheless, the potential for improved financial metrics and market accessibility for companies navigating the crypto landscape under these new guidelines is significant.