# [6] Mandatory features

After onboarding your customers, you must implement certain mandatory features prior to going live with your solution.

The following subsections will highlight the mandatory features required for each product.

## Digital Banking & Cards

note
If your solution uses [credit cards](/guides/cards/credit-cards/) and **does
not include** Digital Banking accounts, do not implement the Account Closure
feature. See the respective credit card integration guide for information on the
credit card termination process.

For all Digital Banking & Cards products, the following mandatory features must be implemented before going live:

**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

For lending only products, the following mandatory features must be implemented before going live:

| Product | Mandatory features |
|  --- | --- |
| Fronting Factoring B2B | Terms & Conditions Consent LogGDPR deletion requestsCustomer Due Diligence excluding Enhanced Due Diligence (EDD). |
| Fronting B2B | GDPR deletion requestsCustomer Due Diligence excluding Enhanced Due Diligence (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

For compliance purposes, all partners must subscribe to the following webhook events irrespective of the product:

- [Mandatory webhooks](/api-reference/webhooks#mandatory-webhook-events)


Additionally, each product will have its own set of mandatory webhook events. You can find these listed under the respective product guide.