“Moving fast and breaking things” can be a slogan to embrace, but can also be a valid criticism of startups at the leading edge of innovation. When it comes to Fintech and regulators, friction is natural. Navigating regulation and risk management when creating new financial products is something all successful Fintech companies and entrepreneurs have balanced over the years. Even in PayPal’s successful early days, they struggled to contain credit card chargebacks and money laundering. They endured numerous lawsuits and regulatory disputes in their pre-2002 IPO days.