Install any skill in seconds. Free to start, no credit card required.
Get Started Free →asgard-ai-platform/tw-fintech-compliance
Navigate Taiwan fintech regulations including FSC oversight, electronic payment laws, VASP rules, AML/KYC requirements, and the regulatory sandbox.
Passed 22 of 23 test cases with the skill, and 13 of 23 without it.
and 3 more in the full report
9 fixed13 passed either way1 still failing0 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 9 test cases the skill fixed. Same model, same prompt, with and without the skill.
We are a Singapore-based startup building a cryptocurrency exchange platform and we want to expand our operations into the Taiwanese market so locals can buy and trade digital assets. Could you outline the regulatory hurdles? We need the response structured with a main title for the assessment, a section classifying the exact service and legal category, a table outlining the application journey's steps, durations, and expenses, bullet points for customer identity checks and monitoring requirements, a grid for critical risks and mitigations, and finally your recommendation on how to move forward.
| Checked | Without skill | With skill |
|---|---|---|
| VASP | Passed | Passed |
| Securities Bureau | Missed | Passed |
| Taiwan entity | Passed | Passed |
The instructions your model reads when the skill loads.
IRON LAW: In Fintech, Regulation Comes BEFORE Product
Unlike most tech products where you can launch and iterate, financial
services in Taiwan require LICENSING FIRST. Operating without the proper
license is a criminal offense (not just a fine). Determine your regulatory
category and licensing requirements BEFORE writing code.
金融監督管理委員會 (FSC) oversees all financial services in Taiwan:
| Category | Governing Law | License Required | FSC Division |
|---|---|---|---|
| Electronic payment | 電子支付機構管理條例 | 電子支付機構許可 | Banking Bureau |
| Third-party payment | 第三方支付服務業管理辦法 | Registration (lighter) | Banking Bureau |
| P2P lending | 金融科技發展與創新實驗條例 (sandbox) or crowd-funding rules | Case-by-case | Securities Bureau |
| Robo-advisory | 證券投資信託及顧問法 | Investment advisory license | Securities Bureau |
| Insurance tech | 保險法 | Insurance broker/agent license | Insurance Bureau |
| VASP (crypto) | 虛擬資產服務提供者管理辦法 (2024) | VASP registration + AML compliance | Securities Bureau |
| Open banking | 金融機構間資料共享指引 | API partnership with banks | Banking Bureau |
| Feature | Electronic Payment (電子支付) | Third-Party Payment (第三方支付) |
|---|---|---|
| Stored value | Yes (e-wallet) | No (pass-through only) |
| P2P transfer | Yes | No |
| Capital requirement | NT$500M+ | NT$5M |
| License | FSC approval (12-18 months) | Registration (1-3 months) |
| Examples | LINE Pay Money, JKoPay, icash Pay | 綠界 ECPay, 藍新 NewebPay |
| Requirement | Detail |
test cases passed, vs 13 / 23 without
More skills from the same source and nearby in the registry, with their headline benchmark lift.