If your fintech operates in Nigeria and Kenya, you're dealing with two different central banks, two different data protection commissions, two different identity verification systems, and two different sets of reporting thresholds. Add Ghana and South Africa, and you're looking at four distinct compliance architectures that need to coexist in a single codebase. This isn't a temporary mess that will sort itself out, as African regulatory fragmentation is structural. Each country built its financial infrastructure independently, and every central bank sets its own rules. For engineering teams building payment products across these markets, compliance is an architectural decision that affects your database design, your onboarding flows, transaction monitoring pipelines, and deployment strategy. Enforcement across these markets is accelerating, penalties are getting larger, and the compliance bar keeps rising. This isn't the regulatory environment of three years ago.…