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[@DrSaadAlrayes](/creator/twitter/DrSaadAlrayes)
"2. Salary-advance + cashback + round-ups: when does it cross into regulated credit/credit broking My 3-step perimeter check RAO activity exemptions UX touchpoints. #FinReg #FinTech"  
[X Link](https://x.com/DrSaadAlrayes/status/1979930656823029835) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2945 followers, XX engagements


"4. Under FSMA/RAO & Consumer Credit Act: i) regulated credit agreements (interest/charges deferred payment beyond limited exemptions) ii) credit broking (arranging with a 3rd-party lender) & iii) exemptions e.g certain interest-free/short-term credit employer-provided advances"  
[X Link](https://x.com/DrSaadAlrayes/status/1979930666398621901) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2945 followers, XXX engagements


"5. Then overlay Consumer Duty (product design price/value customer understanding) & financial promotions (s21 FSMA) if you advertise. UX (round-ups/cashback) doesnt change the legal substance. My 3box flow: Activity Exemption Controls"  
[X Link](https://x.com/DrSaadAlrayes/status/1979930668994805830) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2945 followers, XX engagements


"1. When does a salary-advance app become regulated credit If you front customers money (even short-term) or introduce them to someone who does you may need a licence. My perimeter = what activity youre actually doing not what you call it. #FinTech #FinReg"  
[X Link](https://x.com/DrSaadAlrayes/status/1979930652913836403) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-19T15:20Z 2947 followers, XXX engagements


"@EleanorTerrett @federalreserve Chris Waller has historically been skeptical of crypto but supportive of market-led innovation rather than CBDCs. This move seems aligned with that philosophy enabling private-sector digital money innovation on top of safe central bank infrastructure"  
[X Link](https://x.com/DrSaadAlrayes/status/1980660946399002736) [@DrSaadAlrayes](/creator/x/DrSaadAlrayes) 2025-10-21T15:42Z 2946 followers, 2252 engagements