For context, this guideline states: Apps used for financial trading, investing, or money management should be submitted by the financial institution performing such services. We are building a personal finance app that will allow you to move money from one account to another (e.g. Move money from Wells Fargo checking account to Robinhood investment account) and are wondering if this would be in violation of the guideline. We would be using a third party to facilitate ACH transfers from one account to another - not using any private API. Are we prohibited from doing this since we are not facilitating the money movement ourselves? In addition, curious if anyone has any idea how Prism Money is on the app store, as they allow you to pay bills using your credentials for various accounts (almost certainly through a private API / automated headless browser). This appears to be in violation of this guideline - so curious to hear about how this is allowed.