Start with the product, not the software feature list. Confirm that the item is radio equipment under RED and then test the delegated-act categories separately. One product can trigger more than one point.
For Article 3(3)(d), the trigger is internet-connected radio equipment: equipment that can communicate itself over the internet, directly or through other equipment. For Article 3(3)(e), the equipment must be capable of processing personal data, traffic data, or location data and fall into a specified category. For Article 3(3)(f), the trigger is internet-connected radio equipment that enables the holder or user to transfer money, monetary value, or virtual currency.
Apply the exclusions after the category test. Radio equipment also covered by the Medical Devices Regulation or In Vitro Diagnostic Medical Devices Regulation is excluded from the delegated act's Article 3(3)(d), (e), and (f) requirements. Equipment also covered by the listed civil-aviation, motor-vehicle general-safety, or electronic-road-toll legislation is excluded from the activated Article 3(3)(e) and (f) requirements, but that second group is not excluded from Article 3(3)(d) on that basis.