We advise fintech companies on regulatory classification, licensing strategy and supervisory interaction, including:

• Assessment of licensing requirements under German, EU and UK law
• Banking and financial services licensing (e.g. credit institution, investment firm, payment institution, e-money institution)
• Regulatory perimeter analysis
• Passporting within the EU
• Establishment of regulated entities
• Interaction with BaFin, Deutsche Bundesbank, ECB/SSM, EBA, ESMA, FCA and other supervisory authorities
• Ongoing regulatory compliance frameworks

Advising on:

• PSD2 / PSD3 developments
• E-Money Directive
• Open Banking frameworks
• Safeguarding requirements
• Outsourcing arrangements
• Cross-border payment structuring
• Regulatory capital and governance requirements

Supporting clients navigating emerging digital asset frameworks, including:

• EU Markets in Crypto-Assets Regulation (MiCA)
• Crypto asset service provider (CASP) licensing
• Token issuance structuring
• Stablecoin regulatory considerations
• AML / KYC compliance
• Custody and wallet services regulatory requirements
• Interaction with financial supervisory authorities

Advisory services include:

• Banking-as-a-Service (BaaS) models
• Embedded finance structures
• Outsourcing and cloud arrangements
• Regulatory allocation of responsibilities
• Risk management and internal control frameworks
• Governance and operational resilience

We support fintech clients and investors with:

• Equity and debt fundraising structures
• Venture capital transactions
• Convertible instruments
• Regulatory implications of token offerings
• Compliance with EU Prospectus Regulation, MAR and related frameworks
• Cross-border investment structuring

Comprehensive advice on:

• GDPR compliance
• German BDSG and EU data protection frameworks
• Data governance in financial services
• Cybersecurity compliance
• Incident response strategies
• AI governance in financial services

Advising on:

• AMLD frameworks
• Customer due diligence systems
• Transaction monitoring
• Sanctions compliance
• Risk-based compliance systems
• Internal policies and governance structures

Supporting fintech clients operating in sustainable finance sectors with:

• EU Taxonomy alignment
• Sustainable Finance Disclosure Regulation (SFDR)
• ESG-related regulatory compliance
• Green fintech structuring