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You can distribute outside the AppStore. Who cares what Apple thinks.

For macOS - yep, but not for iOS.

...no you can't?

Xcode can't install apps on the iPhone ? Or Cydia ?

What's your intent with those apps? If it's it to hit the mass market, that's not looking great.

That's a laughably unrealistic way to run a business, and I'm sure violates Apple's policies.