Movement of data across legal jurisdictions is correct.

Movement of data across legal jurisdictions can create legal and regulatory complications because different countries and regions impose different rules on financial and personal data. When fragments are stored in multiple jurisdictions a payments platform may be subject to cross border transfer restrictions data residency requirements or conflicting law enforcement requests which increases compliance risk and operational complexity.

Erasure coding of stored objects is not a disadvantage in this context because erasure coding is the technique used to split data into fragments for resilience and cost efficiency rather than a problem caused by geographic distribution.

Higher access latency for data reads is not the best answer here because latency depends on retrieval design and can be mitigated with caching local copies or selective replication. The question emphasizes the legal and jurisdictional downside of scattering fragments rather than inevitable performance degradation.

Reconstruction of original data from fragments is also not a disadvantage because reconstruction is the intended behavior that allows the system to reassemble data when needed and it is part of normal operation rather than a negative consequence of geographic scattering.

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