🌏 pack: em-fintech-pack

Launch fintech in 8 jurisdictions without the DPDP / NDPR / Decree-53 surprise.

Q: What human gates does em-fintech-pack introduce?

gate:license-strategy (legal + compliance). These layer on top of the standard plan/ship gates.

Q: What if my project doesn't match these signals exactly?

You can manually add the pack name to PROJECT.md or run /migrate to re-run detection with updated rules.

Serving India, Nigeria, Brazil, Mexico, Indonesia, Philippines, Vietnam, or Singapore? GreatCTO auto-attaches em-fintech-pack with per-country regulator (RBI / CBN / BCB / CNBV / OJK / BSP / SBV / MAS), local rails (UPI / PIX / M-Pesa / GCash / OVO / DANA), data-localization matrix, and OFAC + EU + UN + local sanctions screening (daily refresh) + PEP overlay.

$ npx great-cto init All packs ↗

Auto-attach signals

Detected by CLI when:

india · nigeria · brazil · indonesia · philippines · mexico · razorpay · paystack · upi · pix · m-pesa · gcash · rbi · cbn · mas

The pack rides on top of your base archetype (web-service, ai-system, fintech, …) — it doesn't replace it. Auto-injects reviewer agents into the pipeline + opens human gates listed below.

Reviewer agents activated

1 specialist added to the pipeline.

01 · emerging-markets-fintech-reviewer

India DPDP/RBI + Nigeria CBN/NDPR + Brazil BCB/LGPD + MAS + OJK + BSP + local rails + sanctions

Human gates introduced

1 new gate type on top of `gate:plan` + `gate:ship`.

Gate	Owner	Trigger
`gate:license-strategy`	legal + compliance	per jurisdiction served

Required artefacts before senior-dev claims tasks

9 concrete deliverables.

✓ Per-country jurisdiction matrix (regulators, licenses, ID systems, FX)
✓ Data-localization map (data class × country × storage × egress)
✓ Local-rails adapter interface + per-rail implementations
✓ Sanctions screening (OFAC + EU + UN + UK + local) with daily refresh
✓ PEP overlay screening with EDD trigger
✓ KYC tiering with local ID systems (Aadhaar / CPF / NIN / BVN / KTP / NRIC)
✓ Cross-border transfer mechanism per country-pair
✓ Local-language disclosures in regulated jurisdictions
✓ Local-tax reporting triggers

EVAL suite required

3 golden-set scenarios shipped as templates.

Each EVAL has ≥5 test cases, pass threshold, regression interpretation, cross-refs to TM + gates. Run via your existing test framework.

EVAL-emfin-data-residency.md
EVAL-emfin-sanctions-coverage.md
EVAL-emfin-local-rail-idempotency.md

Regulatory surface covered

9 standards / regulations addressed.

India DPDP Act 2023 RBI tokenization Nigeria NDPR/NDPA 2023 Brazil LGPD Mexico Ley Fintech 2018 Indonesia UU PDP 2022 Vietnam Decree 53/2022 Singapore PSA + PDPA FATF Travel Rule

Real-world examples

30 companies in this space.

dLocal

Local payment methods in emerging markets

publicUY

Mercado Libre / Mercado Pago

LATAM commerce + payments

publicAR

Nubank

Largest digital bank in LATAM

publicBR

Akulaku

Indonesia BNPL + lending

growthID

CRED

India premium credit-card platform

growthIN

Creditas

Brazil consumer lending

growthBR

DANA

Indonesian digital wallet

growthID

EBANX

Cross-border payments for LATAM + Africa

growthBR

GCash

Philippines mobile money

growthPH

Halodoc

Indonesian telehealth + pharmacy

growthID

MNT-Halan

Egypt's leading fintech ecosystem

growthEG

Monzo

Mobile bank for UK + EU

growthGB

N26

Mobile bank for Europe

growthDE

OVO

Indonesian digital wallet

growthID

Practo

India's largest doctor-discovery + telehealth

growthIN

Rappi

LATAM super-app (delivery + fintech)

growthCO

JUMO

Banking-as-a-service for emerging markets

series-eZA

Konfío

Financial services for Mexican SMBs

series-eMX

Razorpay

Payments + banking for Indian businesses

series-fIN

Flutterwave

Payments infrastructure for Africa

series-dNG

Neon

Brazilian digital bank

series-dBR

Qonto

Business banking for European SMBs

series-dFR

Tabby

BNPL platform for MENA

series-dAE

Aspire

All-in-one finance for SE Asia SMBs

series-cSG

Chipper Cash

Cross-border P2P payments in Africa

series-cUS

Kueski

Mexico BNPL + consumer lending

series-cMX

Stori

Mobile credit card for Mexico's middle class

series-cMX

Tamara

BNPL platform for Saudi Arabia + UAE

series-cSA

Yoco

South African card payments for SMBs

Listed companies operate in this space. Inclusion is based on publicly available product descriptions and does not imply endorsement of or by GreatCTO.

FAQ

Common questions about em-fintech-pack.

When does em-fintech-pack auto-attach?

When the CLI detects these signals in your repo: india · nigeria · brazil · indonesia · philippines · mexico · razorpay · paystack · upi · pix · m-pesa · gcash · rbi · cbn · mas. Override anytime by editing packs: in PROJECT.md.

What human gates does em-fintech-pack introduce?

gate:license-strategy (legal + compliance). These layer on top of the standard plan/ship gates.

What if my project doesn't match these signals exactly?

You can manually add the pack name to PROJECT.md or run /migrate to re-run detection with updated rules.

30 seconds

Drop GreatCTO into any repo — em-fintech-pack attaches automatically.

$ npx great-cto init

no signup·runs locally·pay your own API

Launch fintech in 8 jurisdictions without the DPDP / NDPR / Decree-53 surprise.

Detected by CLI when:

1 specialist added to the pipeline.

1 new gate type on top of gate:plan + gate:ship.

9 concrete deliverables.

3 golden-set scenarios shipped as templates.

9 standards / regulations addressed.

30 companies in this space.

Common questions about em-fintech-pack.

Drop GreatCTO into any repo — em-fintech-pack attaches automatically.

1 new gate type on top of `gate:plan` + `gate:ship`.