Not true there are lots of regulatory-light fintech applications you can try like building applications on top of banking APIs. Very few people ever really use

Not true there are lots of regulatory-light fintech applications you can try like building applications on top of banking APIs. Very few people ever really use bank APIs you may find the bank will be glad to talk to you. You likely (but not always) need a legal entity, but thats a prerequisite for setting up any business.