The Fintech Compliance Checklist Every Engineering Team Needs
PCI-DSS, SOC 2 Type II, KYC/AML, and encrypted ledger design: an architectural guide for fintech founders and CTOs.
In financial technology, compliance is not a legal checklist completed right before launch — it is an architectural foundation that dictates your database schema, authentication flow, and hosting infrastructure.
1. Foundational Architecture Requirements
Tokenization & PCI Scope Reduction: Never touch raw PAN data; route card details through Stripe Elements or compliant vaults.
Immutable Audit Logging: Every financial ledger write must be idempotent, append-only, and cryptographically verifiable.
Role-Based Access Control (RBAC): Enforce dual-control approvals for administrative treasury transfers.
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