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Weighing the Benefits and Risks of Investment-Based Apps. However, some money-making apps are investment-based, meaning that users must invest a certain amount of money before they can begin making money. Trading, stock or cryptocurrency investing, and peer-to-peer lending are common activities associated with these apps. These apps may not be appropriate for everyone and carry a higher risk, even though they have the potential to yield higher returns. Giving Your Financial Situation Serious Thought.