> impossible to offer a competitive rate Then they can charge apps for downloads that dont go through their own payments. But more importantly that's assumin

> impossible to offer a competitive rate Then they can charge apps for downloads that dont go through their own payments. But more importantly that's assuming that Apple needs to have rates as high as e.g. stripe, but they can probably get better much better rates due to their size, hell they have the cash to create their own bank (as they should as they re becoming a services company).