Identify if an iOS In-App Purchase is a consumable or non-consumable?

I need a small help to know if what I propose in my iOS app is a consumable currency or not.

From the Apple Developer In-App Purchase webpage:

Consumable

Users can purchase different types of consumables, such as lives or gems in a game, to further their progress through an app. Consumable in-app purchases are used once, are depleted, and can be purchased again.

Users can buy a currency that has a name, such as "bucks", for example: 100 bucks can be bought for $1.

User can receive or send this currency to another user. When desired, he can convert this virtual currency to money = for example: $1 for 95 bucks.

This currency is like a cryptocurrency and my app is not a game.

So is this currency a consumable or non-consumable? I need help with understanding to prevent my app from getting rejected.

If an item can be used once and then is not available again, it is a consumable.

If an item can be reused over and over, it's a non-consumable.

This is explained in the developer Apple's IAP overview you referenced:

Consumable

Users can purchase different types of consumables, such as lives or gems in a game, to further their progress through an app. Consumable in-app purchases are used once, are depleted, and can be purchased again.

Non-Consumable

Users can purchase non-consumable, premium features within an app. Non-consumables are purchased once and do not expire, such as additional filters in a photo app. Apple can host content associated with your non-consumable in-app purchases.

Based on your comments, I would say you have a Consumable IAP. You app could be reject for other reasons, though, so this is no guarantee that it will pass App Review.

If your app is a currency (the value is consumed outside the app or generated / mined / calculated outside the app) then you need to worry more about section 3.1.5 Goods & Services

• https://developer.apple.com/app-store/review/guidelines/#goods-and-services

These sections restrict outside consumables to prohibit in app purchase, and you would use ApplePay section 3.1.5(a) since this is direct trade and commerce. If your currency has any sort of investment or risk, then it’s a trading app section 3.1.5(b).

Only if your currency is consumed and purchased multiple times, would you have to understand if it’s consumed within the app exclusively.

Since you are primary currency and trading, IAP isn’t going to govern your approval or rejection at all.