Product and jurisdiction-specific rules apply. PSD2 and PSD3 regulate European payment goods’ open banking, robust consumer authentication, and third-party provider access. Products that process, save, or transmit card data must comply with PCI DSS internationally. Products servicing EU customers must comply with GDPR’s data residency and privacy rules. DORA mandates digital operational resilience for EU financial institutions, and Article 6 details ICT risk management. EU digital assets and crypto goods are regulated by MiCAR. SOC 2 Type II, FinCEN AML registration, and state money transmitter licenses are essential for US goods. Any reliable fintech development partner will include these in the architectural design.