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Regulated fintech product development

Skill Pdbjork/hermosskills-site/skills/regulated-fintech-product-development

Plan and prototype regulated fintech products simulation-first without prematurely crossing banking, card, payroll, or money-movement boundaries.From its SKILL.md

Install
npx -y skills add Pdbjork/hermosskills-site --skill regulated-fintech-product-development

Assembled from the repository path, not quoted from the project. Check it against their README if it does not work.

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What its file declares

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The file declares its own license as MIT. That is the author’s claim about this one file, and it is not the same thing as the license GitHub reports for the repository, which is listed with the other numbers below.

SKILL.md

1.9 KB, 299 tokens by cl100k_base, as published. Nobody here has run it

Regulated Fintech Product Development

Use this umbrella for fintech ideas involving cards, payroll, budgeting controls, vulnerable-user safeguards, lending, banking, or money movement. The default stance is simulation-first: validate the workflow and user value without handling funds or implying licensed capabilities.

Guardrails

  • Do not present legal advice; flag regulatory questions for counsel/compliance review.
  • Prototype with mock ledgers, simulated authorizations, sandbox providers, and manual review queues before real accounts/cards/payroll rails.
  • Separate product UX validation from regulated operations.
  • Make risk boundaries explicit in copy, architecture, and demos.

Workflow

  1. Define the regulated surface: funds custody, card issuing, payroll access, credit, identity/KYC, vulnerable-user controls, or financial advice.
  2. Pick a non-regulated MVP slice: education, budgeting simulation, alerts, consent capture, fit-check, or decision-support without execution.
  3. Build a prototype with fake data and clearly labeled sandbox states.
  4. Document compliance assumptions, provider options, handoff points, and what must be true before integrating live rails.
  5. Use market scans and phase plans as references, not as blanket permission to launch.

Preserved detailed references

  • references/regulated-fintech-mvp.md
  • references/regulated-fintech-prototyping.md
  • references/budget-guard-card-market-scan.md
  • references/budget-guard-card-phase1.md

What ships with it: 1 file

9.5 KB alongside SKILL.md

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