FinTech Compliance Explained: The complete guide to AML, KYC & fintech licensing

Hey Product Hunt! 👋 Compliance is the #1 thing that separates fintechs that scale from fintechs that get shut down — yet most teams treat it as an afterthought until a regulator knocks on the door. I've seen this pattern repeatedly across payments and banking: a fintech moves fast, builds a great product, starts growing — and then gets hit with a regulatory examination they weren't prepared for. Licenses revoked. Fines issued. Growth stopped. This guide was built to change that. It covers everything a fintech team needs: AML/CFT framework with all 5 pillars, KYC and KYB due diligence procedures, sanctions screening across OFAC, EU, and UN lists, PCI-DSS simplified, GDPR for fintechs, licensing requirements across USA, EU, Colombia, Mexico, Brazil, and Peru — plus 25+ RegTech vendors categorized by function and 10 AI prompts to accelerate compliance work. Whether you're pre-launch building your first compliance program or scaling and need to close gaps — this guide has you covered. Are you currently building a compliance program? What's your biggest challenge right now?