Compliance kills more fintechs than competition — yet most teams build it as an afterthought. This complete guide covers: AML/CFT framework, KYC & KYB due diligence, sanctions screening (OFAC, EU, UN), PCI-DSS, GDPR, licensing by region (USA, EU, LATAM), 25+ RegTech vendors, 10 common mistakes, glossary, readiness checklist, and 10 AI prompts. Works with ChatGPT or Claude.