I’m building an iOS app where real money moves based on goal completion results, including transfers between users.
I need a real money flow that supports top ups, internal balance updates, and withdrawals.
I’m launching in the EU first and want to avoid building the wrong architecture from the start.
I’d appreciate practical guidance from anyone who has shipped similar apps:
When can external payment processors be used for real money flows?
If users can withdraw real money, what compliance requirements are usually needed first?
Is it as complicated as I think? This is my first project of this kind, so I want to approach it correctly.
Thank you in advance.