Most MVP advice assumes mistakes are cheap. Ship something thin, see what breaks, fix it next sprint.
That works fine until the product touches money, identity, or a regulated workflow — which describes most FinTech products from day one.
A clunky onboarding flow is a UX problem you iterate on. A wrong automated decision in a payment flow is a reconciliation problem, and possibly a compliance one, before anyone even reports a bug.
So a FinTech MVP isn't a smaller version of the end product. It's a different kind of build, with a much shorter list of things you're allowed to get wrong.
The hard part isn't accepting that — most founders get it in theory. The hard part is drawing the line: which ~20% of the product actually carries that risk, and which 80% can still move at normal MVP speed without anyone getting hurt.
The longer version — including the two directions teams usually get that split wrong, and three things a fintech-grade first release gets right from day one — is on our blog: https://baseblocks.tech/blog-posts/mvp-to-fintech-grade
