In South Korea (began in 2019): > It is standardised and the standards are freely available Same. > you still need to have an official "blessing" to actually

In South Korea (began in 2019): > It is standardised and the standards are freely available Same. > you still need to have an official "blessing" to actually access a production API endpoint (even for your own account) Same. > you need a legal entity that has some highly specific and entirely meaningless certificates that are hard (and potentially expensive) to get Same though not entirely meaningless. > you'll still need to negotiate access with each bank individually. Not same.