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App Store Revolution: Apple’s Epic Games Settlement Opens Doors for Crypto Payments 

The dawn of a new era for app monetization

In a landmark shift that is reshaping the mobile app ecosystem, Apple has begun implementing significant changes to its “United States App Store” policies following the resolution of its long-standing legal battle with Epic Games. This settlement marks the end of Apple’s complete control over in-app payment systems, opening unprecedented opportunities for developers to integrate alternative payment methods—including cryptocurrency options like Bitcoin.

Understanding the Apple-Epic settlement

The court ruling, which came into effect earlier this year, has forced Apple to ease several key restrictions that previously limited developers’ freedom:

  • Alternative payment processing: Developers can integrate third-party payment systems without using Apple’s IAP system exclusively.
  • Lower commission rates: For developers using external payment solutions, Apple’s standard commission, which was 30%, has been significantly reduced.

For example, Spotify, which previously had to pay the full 30% commission on premium subscriptions, can now implement its own payment system and retain more revenue—potentially allowing for better artist compensation and enhanced features for users.

  • Direct consumer communication: App creators can now directly inform users about alternative payment options outside the App Store ecosystem.
  • Crypto payment integration: Apple’s strict limitations on cryptocurrency payment options within apps, hampering blockchain-based businesses will now be relieved. 

The settlement now opens the door for crypto wallets and payment solutions to operate more freely in iOS apps, creating new opportunities for Web3 companies and decentralized applications to reach mainstream users. This ruling does not just represent a victory for Epic Games—it signals a fundamental shift in how digital marketplaces operate, providing room for innovation in financial technology integration within apps.

The Crypto opportunity

The recent regulatory shift represents a watershed moment for cryptocurrency integration in the digital economy. With cryptocurrency adoption accelerating globally, reaching over 400 million users worldwide, this change creates unprecedented opportunities for app developers.

Cryptocurrency payments offer several revolutionary advantages in this new landscape. They enable truly borderless transactions, dramatically reducing the friction of cross-border commerce that traditional payment systems struggle with. Additionally, crypto transactions can significantly lower processing fees compared to conventional payment networks, potentially increasing profit margins for developers and businesses alike.

Perhaps most importantly, this regulatory update allows developers to directly access a rapidly growing, tech-savvy user base  that actively prefers cryptocurrency payments. These users represent not just early adopters, but an expanding mainstream demographic increasingly comfortable with digital assets.

Among the most exciting possibilities emerging from this shift is the integration of Bitcoin payment rails via platforms like Speed. With crypto-friendly infrastructure now permissible within apps, developers can create seamless payment experiences that align with modern user expectations while opening new revenue streams previously blocked by restrictive policies.

How payment integration works with Speed?

Speed offers a seamless payment solution that integrates easily with various platforms. Here’s how developers can implement Speed payments:

Integration options

Website integration: Add Speed’s payment button to your checkout page for a simple web-based payment solution.

iOS app integration: Embed Speed Wallet directly into your iOS applications, allowing users to make payments without leaving your app.

In-app checkout: Implement our pre-built checkout flow that handles the payment process while maintaining your app’s look and feel.

The Speed advantage

Our payment system brings unique benefits to both developers and users:

Lightning-fast transactions: Built on Lightning Network, enabling near-instantaneous settlements with minimal fees for Bitcoin and stablecoins.

Multiple currency options: Support for Bitcoin, USDT, and USDC, making the experience accessible for all users worldwide.

Simplified user experience: Reduced friction during checkout leads to higher conversion rates and fewer abandoned carts for businesses.

Implementation examples

Let’s explore how this might look across different app categories with concrete before and after scenarios:

Gaming apps

Game developers lose up to 30% of revenue to app store commissions. Players face delays in purchasing in-game items, with international transactions often incurring additional fees. Prize distribution requires complex payment processing through traditional banking.

With Speed: Imagine purchasing in-game items in your favorite mobile game using Bitcoin. The transaction occurs instantly via Lightning Network, bypassing traditional payment processing delays. Developers retain significantly more revenue by avoiding Apple’s commission structure, allowing them to offer better pricing or invest more in game development.

Additionally, game developers can now distribute prizes or rewards in Bitcoin directly through Speed. Tournament winners, top players, and content creators can receive their earnings instantly without the complexity and fees of traditional banking systems, expanding competitive gaming opportunities globally.

Subscription services

Content platforms lose 15-30% of subscription revenue to payment processors and app stores. International users face currency conversion fees and potential payment rejections. Companies manage complex payment reconciliation processes.

With Speed: Content platforms can now offer discounted subscription rates for users who choose to pay via Bitcoin, passing along the savings from reduced payment processing fees directly to consumers. For example, a $9.99 monthly subscription might cost only $7.99 when paid with Bitcoin.

App owners benefit from simplified accounting, reduced chargebacks, and the ability to serve previously untapped markets. Users enjoy seamless renewals without concerns about credit card expiration or international payment restrictions.

Creator economy apps

Creators lose substantial revenue to platform fees and payment processing costs. Cross-border payments take days and incur high fees. Micropayments (under $1) are economically unfeasible due to fixed transaction costs.

With Speed: For platforms supporting independent creators, Bitcoin payments via Speed create new monetization opportunities through micropayments and global audience reach without currency conversion complications. A fan can now send a creator $0.50 for a single piece of content—something previously impossible due to minimum transaction thresholds.

App owners can attract more creators with competitive revenue splits, while offering instant withdrawal options that traditional payment rails cannot match. Creators benefit from larger global audiences and higher retention rates due to frictionless payment experiences, while receiving payments instantly rather than waiting for monthly payout cycles.

Implementation considerations for developers

While the opportunity is significant, developers should consider several factors when implementing Bitcoin payment via Speed:

  • User education: Many consumers are still unfamiliar with cryptocurrency transactions. For them, include brief explanatory content to assist with different topics on Bitcoin and Stablecoin.
  • Regulatory compliance: Ensure that your implementation meets relevant financial regulations in your country and target markets.
  • Customer support readiness: Leverage the Speed customer support team for your users worldwide regarding all the crypto-specific transaction queries.

 

The future of App Store payments

This open lane of Apple’s ecosystem represents the beginning of what’s possible. As more developers adopt alternative payment systems like Speed’s crypto integration, we are likely to see further innovations in:

  • Cross-platform payment solutions that work seamlessly across iOS and Android
  • Enhanced privacy options for users who prefer the pseudonymous nature of Bitcoin transactions.
  • New business models are built specifically around cryptocurrency microtransactions.

Conclusion

The Epic Games settlement with Apple represents a watershed moment for app monetization strategies. By embracing Bitcoin payment options through platforms like Speed, developers can reduce transaction costs, reach new customer segments, and differentiate their offerings in an increasingly competitive marketplace.

As this new chapter in app store history unfolds, those who move quickly to implement innovative payment solutions stand to gain significant advantages in user acquisition, retention, and revenue optimization.

Speed Team