> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# SCT03 - Country of Operation

> Foundational capability defining where a tenant can operate

# 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

```mermaid theme={null}
flowchart TD
    A[Select Target Countries] --> B[Compliance Assessment]
    B --> C[Enable Capabilities per Country]
    C --> D[Configure Local Settings]
    D --> E[Localization Setup]
    E --> F[Go-Live per Country]
```

## Compliance Considerations

<Warning>
  Different countries have different regulatory requirements. Ensure you understand and comply with local regulations before enabling operations in new markets.
</Warning>

| 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        |