1. Apps with financial features (loans, wealth management, insurance, crypto) must submit a Financial Product Declaration and register in designated regions; 2. Loan apps must disclose APR ranges, repayment terms, and late payment policies; 3. Crypto apps must hold valid operating licenses and operate only in supported countries; 4. Consult legal counsel before submission to confirm if your app qualifies as a 'financial product'; 5. Provide clear risk disclosures — never promise specific returns.