# Mandatory features

Implement these mandatory features before going live with your solution.

## Digital Banking & Cards

**Credit Cards:** If your solution uses [credit cards](/guides/cards/credit-cards/) **without** Digital Banking accounts, do not implement the Account Closure feature. Refer to the credit card integration guide for the termination process.

Implement the following features for all Digital Banking & Cards products:

**Know Your Customer (KYC)**

- [Device monitoring](/guides/kyc/device-monitoring)
- [Customer Due Diligence](/guides/kyc/cdd/)


**Compliance requirements**

- [Terms & Conditions Consent Log](/guides/compliance/terms-and-conditions-consent-log/)
- [Seizures](/guides/compliance/seizures/)
- [GDPR deletion requests](/guides/compliance/gdpr-deletion/)
- [Account closure](/guides/compliance/account-closure/)
- [Postbox](/guides/compliance/postbox/)
- [AML update process](/guides/compliance/aml-update-process)
- [Questions and Answers](/guides/compliance/questions-and-answers)


**Authentication & authorization**

- [Device binding](/guides/authentication/device-binding/)
- [Strong Customer Authentication (SCA)](/guides/authentication/strong-customer-authentication/)
- [3DS](/guides/cards/3ds/)
- [PSD2 SCA flow](/guides/compliance/psd2-sca)


**Digital Banking & Cards**

- [Account management](/guides/digital-banking/account-management/)
- [Cards creation and servicing](/guides/cards/creation-and-servicing/)
- [Cards Smart Agent](/guides/cards/cards-smart-agent/)
- [Encrypted PIN change](/guides/cards/encrypted-pin-change/)
- [Foreign exchange markup](/guides/cards/fx-markup/)


## Lending

Implement the following features for lending-only products:

| Product | Mandatory features |
|  --- | --- |
| **Fronting Factoring B2B** | • Terms & Conditions Consent Log• GDPR deletion requests• Customer Due Diligence (excluding EDD) |
| **Fronting B2B** | • GDPR deletion requests• Customer Due Diligence (excluding EDD) |
| **Fronting B2C** | • GDPR deletion requests |
| **Loans B2C** | • GDPR deletion requests |
| **Splitpay B2C** | • Terms & Conditions Consent Log (in some cases)• GDPR deletion requests |
| **Splitpay Freelancers** | • Terms & Conditions Consent Log (in some cases)• GDPR deletion requests |


## Mandatory webhook events

**Compliance requirement:** Subscribe to the [mandatory webhook events](/api-reference/webhooks#mandatory-webhook-events) regardless of your product.

Check the specific product guides for additional required webhooks.