Fintech Legal Services – How We Help

Fintech moves fast. So do we.
Our award winning team has deep experience across payments, crypto, consumer credit, capital markets, and the tech that powers it all. Whether you’re a startup launching your first product or a global platform scaling across regions, we’ve got you covered.

Our Expertise

1. Payments 💳

We work with everyone from challenger banks to EMIs, merchant acquirers and open banking providers. If it touches payments, we’ve seen it.
We help with things like:

• Mobile wallets & embedded payments (including BaaS)
• Merchant & processor agreements
• E-money, prepaid cards & BIN sponsorships
• Customer-facing T&Cs and disclosures
• Partnerships, outsourcing & loyalty programmes
• Data protection obligations

We’ve supported banks, retailers, and payment providers to shape and deliver strategies across the UK, EU and Middle East.

2. Crypto & Digital Assets ₿

We support the builders and operators of the digital asset ecosystem: exchanges, custodians, VASPs, fintech platforms, and institutional investors. Our focus is transactional (not licensing).
That means we help with:

• Custody, wallet and brokerage arrangements
• Token purchase & subscription agreements
• OTC trading docs and settlement/clearing
• Merchant acceptance & stablecoin use in payments
• Platform, outsourcing & cross-border structuring
• Customer-facing terms for crypto products

3. Consumer Credit 💸

From BNPL providers to regulated lenders, we help design and deliver credit products that work for both customers and regulators.
We advise on:

• BNPL models & checkout finance solutions
• Credit broking & hire purchase arrangements
• Credit agreements & standard T&Cs
• Outsourcing & white-label partnerships
• Perimeter assessments & FCA authorisation needs
• Debt collection, servicing & credit reference obligations
• Customer journey design, marketing & disclosures

4. Tech Providers ⚙️

Not all fintechs are regulated, but many power the infrastructure behind financial services. We support API providers, SaaS platforms, and software vendors who enable payments, trading and embedded finance.
We cover:

• Licensing & commercial contracts
• Platform development & API access terms
• Outsourcing agreements
• White-labelling & co-branding
• Data usage, privacy & security obligations
• Regulatory perimeter assessments

5. Capital Markets 📈

We support arrangers, investors, platforms and institutions on deal execution and structuring. We understand MiFID (and other frameworks) and the practicalities of getting transactions done.
We can help with:

• Private placements & subscription agreements
• Investor syndicates, angels & venture networks
• Family office & HNWI participation
• Intermediary, arranger & advisory mandates
• Distribution & outsourcing agreements
• Customer & investor documentation

How We Support You

No two fintech journeys look the same. That’s why our support is flexible: day-to-day contracts one week, strategic advice on a product launch the next.

We regularly help with:

• Product design & regulatory positioning
• Drafting customer and B2B agreements
• Structuring partnerships, co-branded offerings & JVs
• Supplier/vendor contracts, SaaS & infrastructure deals
• Data privacy, IP, governance & ongoing legal ops
• Acting as a sounding board for commercial decisions
• Navigating regulatory change (AI, crypto, Consumer Duty, etc.)

Working Models

GC-as-a-Service 👩‍⚖️

For startups and scaleups without an in-house lawyer, we step in as your legal function. Embedded in your team, joining product calls, advising founders and handling the full legal mix. You get GC-level expertise without the full-time hire.

Extension of Your Legal Team 🤝

Already have an in-house GC or Head of Legal? We slot right in. That might mean:

• Covering overflow during busy periods
• Supporting on complex regulatory issues
• Taking ownership of contract negotiations
• Helping close deals faster
• Bringing niche expertise in payments, crypto or capital markets

We become a trusted extension of your team – helping you protect the business and keep moving at pace.

💡 The takeaway: Whether you’re launching, scaling, or restructuring, we’re here to keep your fintech journey legally smooth and commercially sharp. Want in? Contact us

‍