Fintech | Global Law Firm | Clifford Chance

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<div class="section"><div class="new"></div> </div><div class="iparys_inherited"><div class="iparsysmain iparsys parsys"></div> </div> </div> <div class="parsysmain responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="colconverter2 aem-GridColumn aem-GridColumn--default--12"><article class="article_2colconverter"> <figure class="figure_colconverter_imagecontainer"> <div class="div_noimage"> </div> </figure> <div class="div_colconverter_textcontainer div_colconverter_left "> <div class="parsyscol1 parsys"> <div class="wysiwygbox"><article class="article_wysiwyg"> <h3>Our cross border fintech practice is uniquely placed to help deliver your most exciting and complex projects. Our established experience in the sector and footprint across five continents will help you to navigate rapidly-evolving legal challenges. </h3> <p>We advise disrupters across the fintech ecosystem including crypto custodians and exchanges, payments, web3, digital banks, insurtechs, peer-to-peer platforms, token issuers, consumer lending, robo-advisory, as well as established financial institutions and corporates, governments, regulators, trade bodies, industry-wide consortia and emerging players.</p> <p>We have in-depth experience advising financial institutions and asset managers on areas such as fintech investments and M&A, digital bonds and securities, product development (including blockchain and DLT platforms utilising smart contracts, payments initiatives, web3 projects), commercial contracts and partnerships.</p> <p>We are committed to helping you to achieve your goals by providing commercially-focused legal advice of the highest quality that consistently exceeds expectations. Our unrivalled international experience enables us to deliver seamless cross-border and specialist advice on the most innovative and complex tech-driven projects and financing,</p> <p>What can we do for you? Whether you are a disrupter or an established institution we are best placed to advise you on corporate matters including VC, M&A and investments, funds, corporate structuring, financial services regulation, capital markets, derivatives, employment, IP, litigation, investigations and enforcement, risk management crisis planning and response, tax, data protection and cybersecurity, outsourcing, commercial agreements and operational resilience.</p> <p>We are deeply immersed in the work of trade and industry bodies that are influencing the shape of the fintech market globally, often working closely alongside our clients including leading financial institutions, asset managers and corporates. This work puts us at the forefront of major changes taking place and uniquely positions us to advise on development of fintech policy. Clifford Chance's dedicated tech public policy team works seamlessly alongside our global transactional teams. In addition to our unmatched relationships with industry bodies, we have an influential role advising and discussing with governments, international bodies, regulators and other policy makers on many fintech-related topics.</p> </article></div> </div> <aside class="aside_2col_container" style="padding-top:0px"> <div class="parsyscol2 parsys"> <div class="expertssimple"> <section class="section_aside_contacts_container" data-morebutton="View more people with expertise in this area"> <section class="section_aside_contacts_hcarrier" data-thisiteration="0"> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/000000/007985-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Simon Crown"/> </div> <section class="section_aside_contact section_class"> <h3>Simon Crown</h3> <h4>Partner</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/london.html" title="Clifford Chance, London">London</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +442070062944</p> <p> <a class="icon_email" href="mailto:simon.crown@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Simon </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/gb/simon_crown.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/600000/628180-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Stella Cramer"/> </div> <section class="section_aside_contact section_class"> <h3>Stella Cramer</h3> <h4>Partner, Co-Head of the Technology, Media & Telecommunications Sector</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/singapore.html" title="Clifford Chance, Singapore">Singapore</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +65 6410 2208</p> <p> <a class="icon_email" href="mailto:stella.cramer@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Stella </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/sg/stella-cramer.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/500000/506445-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Steven Gatti"/> </div> <section class="section_aside_contact section_class"> <h3>Steven Gatti</h3> <h4>Partner</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/washington.html" title="Clifford Chance, Washington D.C.">Washington D.C.</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +12029125095</p> <p> <a class="icon_email" href="mailto:steven.gatti@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Steven </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/us/steven_gatti.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/920000/921920-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Marian Scheele"/> </div> <section class="section_aside_contact section_class"> <h3>Marian Scheele</h3> <h4>Senior Counsel</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/amsterdam.html" title="Clifford Chance, Amsterdam">Amsterdam</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +31207119524</p> <p> <a class="icon_email" href="mailto:marian.scheele@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Marian </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/lawyers/nl/marian-scheele.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/200000/282037-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Frédérick Lacroix"/> </div> <section class="section_aside_contact section_class"> <h3>Frédérick Lacroix</h3> <h4>Partner</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/paris.html" title="Clifford Chance, Paris">Paris</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +33144055241</p> <p> <a class="icon_email" href="mailto:frederick.lacroix@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Frédérick </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/fr/frederick_lacroix.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/900000/901473-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Paul Landless"/> </div> <section class="section_aside_contact section_class"> <h3>Paul Landless</h3> <h4>Partner</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/london.html" title="Clifford Chance, London">London</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +442070062368</p> <p> <a class="icon_email" href="mailto:paul.landless@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Paul </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/gb/paul-landless.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/900000/905566-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Rocky Mui"/> </div> <section class="section_aside_contact section_class"> <h3>Rocky Mui</h3> <h4>Partner</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/hong_kong.html" title="Clifford Chance, Hong Kong">Hong Kong</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +85228263481</p> <p> <a class="icon_email" href="mailto:rocky.mui@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Rocky </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/cn/rocky_mui.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> <article class="article_aside_contact"> <div class="div_profile_image_container"> <img src="/content/dam/cliffordchance/profiles/900000/904562-half.png/_jcr_content/renditions/original" width="200" height="166" alt="Kate Scott"/> </div> <section class="section_aside_contact section_class"> <h3>Kate Scott</h3> <h4>Partner</h4> <h5> <a class="icon_chair" href="/people_and_places/people/offices/london.html" title="Clifford Chance, London">London</a> </h5> <p class="icon_phone" onClick="ga('send', 'event', { eventCategory: 'Tel Num Clicks', eventAction: 'click'});"> +442070064442</p> <p> <a class="icon_email" href="mailto:kate.scott@cliffordchance.com" onclick="ga('send', 'event', { eventCategory: 'People & Partner Contact Form Submissions', eventAction: 'click'});linkClick('Fintech|expertssimple_ba10|\/content\/cliffordchance\/hubs\/tech\u002Dgroup\u002Dhub\/tech\u002Dgroup\/fintech|Email|Email|Email Clicked');"> Email Kate </a> </p> <p class="p_contact_link"><a href="/people_and_places/people/partners/gb/kate_scott.html" class="icon_profile" id="icon_profile_id">See my full profile</a></p> </section> </article> </section> </section> <section id="section_aside_contacts_list"> <section class="section_aside_contacts_list_hcarrier" data-thisiteration="0"> <article class="article_aside_contact_small"> <a data-thisiteration="1" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/600000/628180-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Stella Cramer"/> <p> Stella <br/> Cramer </p> <h2 class="pageColour_text">Partner, Co-Head of the Technology, Media & Telecommunications Sector</h2> <h3>Singapore</h3> </a> </article> <article class="article_aside_contact_small"> <a data-thisiteration="2" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/500000/506445-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Steven Gatti"/> <p> Steven <br/> Gatti </p> <h2 class="pageColour_text">Partner</h2> <h3>Washington D.C.</h3> </a> </article> <article class="article_aside_contact_small"> <a data-thisiteration="3" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/920000/921920-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Marian Scheele"/> <p> Marian <br/> Scheele </p> <h2 class="pageColour_text">Senior Counsel</h2> <h3>Amsterdam</h3> </a> </article> <article class="article_aside_contact_small"> <a data-thisiteration="4" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/200000/282037-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Frédérick Lacroix"/> <p> Frédérick <br/> Lacroix </p> <h2 class="pageColour_text">Partner</h2> <h3>Paris</h3> </a> </article> <article class="article_aside_contact_small"> <a data-thisiteration="5" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/900000/901473-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Paul Landless"/> <p> Paul <br/> Landless </p> <h2 class="pageColour_text">Partner</h2> <h3>London</h3> </a> </article> <article class="article_aside_contact_small"> <a data-thisiteration="6" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/900000/905566-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Rocky Mui"/> <p> Rocky <br/> Mui </p> <h2 class="pageColour_text">Partner</h2> <h3>Hong Kong</h3> </a> </article> <article class="article_aside_contact_small"> <a data-thisiteration="7" class="a_people_thumb" href="#"> <img src="/content/dam/cliffordchance/profiles/900000/904562-half.png/_jcr_content/renditions/original" width="120" height="100" alt="Kate Scott"/> <p> Kate <br/> Scott </p> <h2 class="pageColour_text">Partner</h2> <h3>London</h3> </a> </article> </section> </section> </div> </div> </aside> <div class="parsysfullwidth parsys"> </div> </div> </article> </div> <div class="headingmain aem-GridColumn aem-GridColumn--default--12"> <h2 class="h2_mainheading" style="padding-top: 0px">About our experience</h2> </div> <div class="colconverter3 aem-GridColumn aem-GridColumn--default--12"><article class="article_3colconverter article_noborders article_equalisewidths"> <figure class="figure_colconverter_imagecontainer"> <div class="div_noimage"> </div> </figure> <div class="div_colconverter_textcontainer"> <div class="parsyscol1 parsys"> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/acquisition-or-divestment.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising an American multinational financial services firm and a Digital Asset firm on its successful first industry pilot under the Monetary Authority of Singapore.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 10px;"></div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 10px;"></div></div> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/group-reorganisation.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising an Asian sovereign wealth fund via its capital management vehicle, on its investment in Immutable X, a leading non-fungible token (NFT) trading platform powered by Ethereum.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/offensive-and-defensive-strategies.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising a regulated capital markets technology platform on its expansion into new markets.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> </div> <div class="parsyscol2 parsys"> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/financial-investors.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising a prominent asset manager in the US on the structuring, organization, presentation to investors, and launch of a cryptocurrency private fund with a unique and highly innovative investment strategy aimed at solving some of the inherent issues facing the sector.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/joint-venture.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Adyen for a number of years on a wide variety of transactions and regulatory matters.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/public-company-manda.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising a Singapore-based online platform for secondary market trading of commercial loans in relation to the UK regulatory perimeter.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> </div> <div class="parsyscol3 parsys"> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/demerger-or-spin-off.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising a leading Fortune 500 fintech provider, on its strategic acquisition of Payrix, a fintech company that specializes in embedded payments technology, from an investor group led by Blue Star Innovation Partners.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/minority-investment-in-share-capital.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising a Central Bank on its Central Bank Digital Currency Implementation Strategy.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> <div class="icontextblock"><div class="div_icontextblock"> <img src="/content/dam/cliffordchance/expertise/m-and-a/public-offer-to-fund-manda.jpg" width="100" height="100"/> <div class="div_icontextblock_text"> <p> Advising a global e-commerce platform on structuring of embedded financing arrangements.</p> </div> </div></div> <div class="customhtml"><style type="text/css"> </style> <script type="text/javascript"> </script> <div style="display: block; height: 15px;"></div></div> </div> <div class="parsysfullwidth parsys"> </div> </div> </article> </div> <div class="sectorServiceList aem-GridColumn aem-GridColumn--default--12"><div class="div_panel_container"> <h2>How can we help you?</h2> <ul> <li><a href="/expertise/services/corporate/m_and_a.html" onclick="linkClick('Fintech|sectorservicelist_67|Download PDF|/content/cliffordchance/expertise/services/corporate/m_and_a.html|Download|Download document')" style="border-bottom-color: #4D86B0;">Mergers and Acquisitions</a></li> <li><a href="/expertise/services/finance/financial-regulation.html" onclick="linkClick('Fintech|sectorservicelist_67|Download PDF|/content/cliffordchance/expertise/services/finance/financial-regulation.html|Download|Download document')" style="border-bottom-color: #4D86B0;">Financial Regulation</a></li> <li><a href="/expertise/services/litigation_dispute_resolution.html" onclick="linkClick('Fintech|sectorservicelist_67|Download PDF|/content/cliffordchance/expertise/services/litigation_dispute_resolution.html|Download|Download document')" style="border-bottom-color: #4D86B0;" title="Clifford Chance advises clients across the full spectrum of risk management and compliance covering all industries, including those operating in regulated sectors.">Litigation & Dispute Resolution</a></li> <li><a href="/expertise/services/tax_pensions_employment_and_employee_benefits/employment_advisory_litigation_transactional.html" onclick="linkClick('Fintech|sectorservicelist_67|Download 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style="border-bottom-color: #4D86B0;">Data Risk</a></li> <li><a href="/expertise/services/capital-markets.html" onclick="linkClick('Fintech|sectorservicelist_67|Download PDF|/content/cliffordchance/expertise/services/capital-markets.html|Download|Download document')" style="border-bottom-color: #4D86B0;">Capital Markets</a></li> <li><a href="/expertise/services/corporate/commercial_contracts.html" onclick="linkClick('Fintech|sectorservicelist_67|Download PDF|/content/cliffordchance/expertise/services/corporate/commercial_contracts.html|Download|Download document')" style="border-bottom-color: #4D86B0;">Commercial Contracts</a></li> <li><a href="/expertise/services/tax_pensions_employment_and_employee_benefits.html" onclick="linkClick('Fintech|sectorservicelist_67|Download PDF|/content/cliffordchance/expertise/services/tax_pensions_employment_and_employee_benefits.html|Download|Download document')" style="border-bottom-color: #4D86B0;" title="Advising on international and domestic 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