DEFA cuts the cost of entry. Your architecture sets the cost of scale

What happened

Sit in the architecture review of almost any platform that has reached four ASEAN markets and the same diagram appears. Each market was added while the opportunity was live, by the fastest route to compliance.

Now the region has agreed to write some of its rules once. Underneath, four data stores, four payment integrations, four know-your-customer flows (the identity checks that onboard each user), and four sets of legal entities and directors.

Adding Malaysia means adding a […] The post DEFA cuts the cost of entry. Adding Malaysia means adding a fifth column and a fifth team.