Q:

what is the apple review guideline for money wallet apps like paytm?

I have developed an app like money wallet (e.g. paytm), where user can request money to each other and transfer money to each others account. with every transaction of user, Admin will get some fixed percent commission.
As app is for one small town only,right now user will have to manually contact admin to load money in his wallet or to withdraw it.
I want to submit my app on iTunes store. I know to use any digital content, services, unlock features we need to use In App Purchase. And for any physical good we need to go with any other third party payment gateway.
So I am confused that will apple approve my app or not. Please help.
Thanks,

A:

First, you never know if Apple will approve or not. The only way to know for sure is to submit and see what happens.
Your description of features sounds like you are probably taking the correct approach.
Its important to use In app purchase for unlocking content/features:

Apps that unlock or enable additional features or functionality
  with mechanisms other than the App Store will be rejected

And equally for real world purchases to use something else:

Apps using IAP to purchase physical goods or goods and services used
  outside of the App will be rejected

The complete guidelines can be found here https://developer.apple.com/app-store/review/guidelines/#purchasing-currencies
And again, its Apples own words:

This is a living document, and new Apps presenting new questions may
  result in new rules at any time. Perhaps your App will trigger this.

