SCT03 - Country of Operation
A foundational core capability that defines where a tenant can operate and is used by all other capabilities. Each tenant can configure which countries they can operate in per capability.
Overview
This capability forms the foundation of your platform’s geographic scope, enabling you to define allowed and restricted countries for operations, with localized experiences for each market.
Features
| Feature | Description |
|---|
| Allowed Country Lists | Countries where operations are permitted |
| Denied Country Lists | Countries where operations are restricted |
| Localized Interfaces | Language and content localization |
| Country-Specific Compliance | Regional regulatory requirements |
| Regional Payment Methods | Local payment rails and methods |
| Local Currency Support | Native currency handling per country |
| Country Reporting | Country-specific regulatory reports |
Per-Capability Configuration
Each capability (SCT01-SCT13) can have its own country configuration:
| Configuration | Description |
|---|
| Capability-Specific Countries | Enable specific capabilities in specific countries |
| Differentiated Compliance | Different compliance requirements per country |
| Gradual Rollout | Phase capabilities into new countries over time |
| Regional Grouping | Group countries by region for unified management |
Configuration Options
| Level | Scope | Features |
|---|
| Single | One country | Full compliance for single market |
| Regional | Multiple countries in region (EU, APAC) | Regional compliance framework |
| Global | Worldwide operation | Country-specific compliance per market |
Supported Regions
Europe
- EU member states (SEPA zone)
- EEA countries
- UK and Switzerland
Asia-Pacific
- Southeast Asia
- East Asia
- Oceania
Americas
- North America
- Latin America
- Caribbean
Middle East & Africa
- GCC countries
- North Africa
- Sub-Saharan Africa
Country Configuration Flow
Compliance Considerations
Different countries have different regulatory requirements. Ensure you understand and comply with local regulations before enabling operations in new markets.
| Region | Key Considerations |
|---|
| EU/EEA | GDPR, PSD2, AML5/6 directives |
| US | State licensing, OFAC, FinCEN |
| UK | FCA regulations, UK GDPR |
| APAC | Varies by country, data localization |
Integration with Other Capabilities
All capabilities reference SCT03 for geographic scope:
- SCT01/02: Determines customer countries
- SCT04: Available instant payment schemes
- SCT09: Available currencies
- SCT12: Financial network access per country
Subscription Tier Availability
| Tier | Configuration Level |
|---|
| Starter | Single |
| Professional | Regional |
| Enterprise | Global |
| Custom | Configurable |
