Fintech Platform Compliance Drag Curve

Compliance work on Fintech Platform does not scale with end-user count, it scales with the number of regulated entities you carry. One client on the Starter tier at 1,900 €/mo supports up to 1,000 end-users and 1,000 automation runs per month, and a single KYC/AML workflow set covers that whole book. Add a second client and you inherit a second set of regulatory filings, a second compliance owner, and a second audit trail, even if that client only has 200 users. The Growth tier at 4,700 €/mo removes the user and automation caps but does nothing to remove the per-client compliance overhead. An agency running three Starter clients at 1,900 € each bills 5,700 €/mo and carries three compliance loads; the same revenue on one Growth client carries one. Price the retainer against entity count, not seat count.