The central idea behind integrating with Apple Wallet at the system level is to leverage Apple’s native infrastructure – such as Apple Pay, Apple Card, and Apple Cash – and extend it with rich financial insights, budgeting tools, and personalized recommendations. By doing so, you create a unified and intuitive finance experience that feels native to the Apple ecosystem. The app would serve as a finance “hub,” complementing Apple’s hardware and software ecosystem to help users make better financial decisions, achieve savings goals, and gain a holistic understanding of their financial health.