You should be prepared for investors to challenge your regulatory assumptions. Investors have their own sophisticated knowledge of the regulated space, and you should be prepared to justify your interpretation of how regulations apply to you (or do not, as the case may be).
When dealing with products that push the boundaries of technology and regulated financial services, it is often useful to seek out legal advice which supports your world view so that you have this to fall back on.
Learn More: UK Founder Series: Financial Services Startups